23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The first payment was on XX/XX/XXXX, this payment is not in the report, nor the first XXXX payments of the year XXXX, the date of the last payment is not reported in any of the reports and the XXXX agencies report a different date than that of the last payment, XXXX says XX/XX/XXXX was the last payment, Experian says XX/XX/XXXX and XXXX says XX/XX/XXXX, this report is completely full of inaccurate information. The amount to be paid in the contract is XXXX, which does not correspond to the amount paid by me, which in the report is XXXX. The information is inaccurate, the number of months to pay differs in the XXXX agencies, and also in the payment status of the XXXX agencies. They say the same thing and Experian says the opposite, something different than the others, and according to 15 U.S. Code 1681s2 -. 15 US Code 1681i Procedure in Case of Questioned Accuracy. Accurate information must be provided for the banking system to function properly and as you can see this information does not meet the requirements of federal laws and violates the consumer 's right to have accurate information reported. As you can see, I do not have any payment information for XXXX and XXXX. They also disagree on the type of account. Here I Marked all inaccurate information on my credit report with this account.
Product: Credit reporting or other personal consumer reports

I am not having any luck obtaining my free annual credit reports. Hopefully this process will help me receive my annual free copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute to have the Ameircollect debt in the amount of XXXX removed from my credit report in XXXX of XXXX. It was removed from one credit bureau but not the other two. I disputed this again in XXXX of XXXX, but they have failed to remove it. This reporting is a violation of my privacy and violates HIPAA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current correct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. By continually reporting this address you are committing Negligent Enablement of Identity Fraud.
Product: Debt collection

I am lodging a complaint against Midland Funding LLC XXXX XXXX, and XXXX as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. XXXX representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.
Product: Debt collection

On XX/XX/2021, the company known as XXXX XXXX charged an itemized list of deductions from my security deposit, resulting in a negative balance of {$550.00}. They contacted me and we reached a resolution ; the damages and resulting charges were not incurred by me, and as a result would be receiving {$1000.00} of my security deposit back. I never received this check and later was contacted by the above referenced debt collector, The Law Offices of Brett Borland. 
The account is under a different name than XXXX XXXX, rather under XXXX XXXX XXXX. I, over the course of the past year, have attempted to contact this firm and get this situation righted, but after calling and emailing, I have heard nothing other than We will call you back or complete silence, and this has affected me in many ways, most notably financially. I would like this resolved as soon as possible and get the {$1000.00} I am rightfully owed.
Product: Credit reporting or other personal consumer reports

Educators credit union XX/XX/XXXX XXXX XXXX did not authorize this inquiry XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX. XX/XX/XXXX. I did not authorize this inquiry XXXX XXXX XXXX XXXX, XX/XX/XXXX. XX/XX/XXXX XXXX XXXX. I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize these inquiries. 
XXXX XXXX, XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XXXX  XXXX, XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. 
XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX did not authorize this inquiry. 

XXXX XXXX XXXX, XX/XX/XXXX, XXXX did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Association In accordance to the fair credit reporting Act XXXX has violated my rights. 15 USC Section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC Section 604a In accordance with the written instructions of the consumer to whom it relates. 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This has to do with XXXX selling my account to collection company who is not the company I have account with.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in prison arrested on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a felony conviction on my credit report that showed i was in prison on XXXX XXXX. Arrested on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any correctional facility and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this XXXXne reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with XXXX XXXX so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi XXXX XXXX was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was incarsarated and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship
Product: Credit reporting or other personal consumer reports

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Product: Debt collection

Mars inc- XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX XXXX XXXX ks I moved out XX/XX/XXXX I have email after email where I tried to alert of move out and uploading proof The above did not send me ANY statement until XXXX claiming damage then claimed I didnt move out and continues to change the statements which is fraud the Mars inc that was hired by XXXX XXXX XXXX ample evidence that XXXX XXXX XXXX company did not follow Kansas legislation and can not just change statements to there liking and furthermore the claim is moot due to Kansas legislation that states they have 14 but no more then 30 days from date of move out to give refund or itemized statement they did nothing until XXXX and actually owe me. Even with the proof sent to mars they refuse to take this off my credit report or give me my monies back they actually owe me ( XXXX ). XXXX village continue to disregard laws or even pay taxes and someone has to stop this.when they took ownership they gave no one any information ie new phone new email And doors remained lock also have video and fb posts of others who were unable to contact them they stated they would honor my request that started weeks before XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It saddens me to see unauthorized inquiries on my credit report, and I cant understand why theyve appeared. I did my usual check, but this time there were unexplained discrepancies. I even refreshed my browser to ensure it wasnt a technical issue, but the inquiries remained. I need a prompt and thorough review of my documents to finally put this behind me.
Product: Student loan

On XX/XX/year>, I made a payment of {$30000.00} for the total of my loan amount. I received a payment confirmation email and confirmation number that same day. It took a few days but I checked the Aidvantage website again and my balance was {$0.00}. I thought I was done, Aidvantage reversed my payment ( this previous times for the amounts of {$1400.00}, {$2500.00}, {$380.00} and {$490.00} on separate occasions ). I researched why this would occur and there were suggestions that the routing and account numbers were not correct. I never changed these and made payments before. The details were correct, I didn't change anything so I decided to see if they would allow me to make the minimum payment and they accepted the payment of {$680.00} and applied it entirely to the interest. I made another attempt today ( XX/XX/year> ) for the amount of {$30000.00}. I have submitted an email asking my my payments in full are not being accepted and currently waiting for a response.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate XXXX loan Information and Violation of FCRA Law I have recently obtained a copy of my credit report from your bureau and discovered that it contains inaccurate XXXX loans.I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by failing to investigate my previous disputes of inaccurate information on my credit report. 
I provided you with clear and convincing evidence that this information was inaccurate, including copies of of my credit report. However, you failed to investigate my dispute and remove the inaccurate information from my credit report.

This failure to investigate my dispute violates Section 611 ( a ) ( 3 ) ( B ) of the FCRA, which requires credit bureaus to investigate all disputes received within a reasonable time. It also violates my rights under Section 620 of the FCRA, which gives me the right to have inaccurate information removed from my credit report.

I am requesting that you immediately investigate my previous disputes and remove the inaccurate information from my credit report. I am also requesting that you provide me with a copy of your investigation report and a copy of your updated credit report I am aware that under the FCRA, I am entitled to actual damages, punitive damages, and attorney 's fees if you have willfully violated the law. I am reserving my rights to pursue these remedies if you do not resolve this matter to my satisfaction. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are collections on my report that I had no idea about as I was not properly notified. I demand that they remove this information from my reports immediately.
Product: Money transfer, virtual currency, or money service

I paid a {$45.00} using Paypal. I had 2 bank accounts on my paypal account. One of the account was set to primary. Paypal took money from the 2nd bank account which I had closed before. In the Paypal user documentation it clearly says that the funds will be drawn from the primary or default account. I manually paid the {$45.00} which takes about 7 days. Meanwhile I see threatening messages on my account about referring my case to collections. 

I did not cause the problem and I don't want to be harassed by Paypal for something I have not control over.
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX, I received a call from XXXX on a cell phone which has been registered on the national do not call registry since XXXX. I have seen previous calls form this number and refrained from answering them as I believed them to be spam calls given the caller ID name appeared to be XXXX XXXX XXXX or XXXX XXXX XXXX  and I have never been to a XXXX XXXX in my life and do not believe there is a hospital with this name anywhere near where I live, work, or visit. 

Upon answering, the call immediately played hold music, suggesting that a robodialer was used to call me. The call then transferred to " XXXX. '' She correctly identified my first and last name. She asked me to verify my date of birth and/or address. I advised her that I do not provide such information to unsolicited callers. She said something immediately after this about when I am " ready to provide '' the requested info and then immediately disconnected the line before I was able to get another word out. 

I called back and spoke with " XXXX '' ( spelling? ) who transferred me to " XXXX. '' I advised her I did not wish to be contacted by phone again. She responded that the number would be removed and additionally stated they've mailed me several times. 

To date, I have never received a single letter from these folks. I refuse to provide my date or birth and/or written address to an entity that will not identify who is allegedly owed, what amount is allegedly owed, and for which good and/or service it is owed. Based upon the name, this company appears to collect medical debt and, to my knowledge, I have no unpaid medical bills for any provider or facility.
Product: Student loan

attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.
Product: Mortgage

Tried over one week to reach company about letter they sent to me. I had the company on hold as I was in midst of sending this complaint, however, someone finally answered the phone for customer service at Freedom Mortgage.

Due to the " virus '', all employees are working from home. My complaint was a serious matter and everything is settled { for now }, so I will end this complaint. 

Thank you, CFPB, I do appreciate you being here for us, it gives an individual peace of mind knowing you work as a voice to the consumer. I have come to you before with a different mortgage company and their shenanigans ; after hearing from you, matters were corrected!!!! Thank you again, XXXX XXXX
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX The above referenced company does not provide any type of verification of account history, payments etc. I have made my payments that apparently, a few were not applied accordingly causing an issue. Without receiving any type of monthly statement or access to online account I was not aware of an issue until I called in for verification. This account is set up on biweekly payments but because of the initial issue, it is continuously running behind. This is only adding late fees and additional interest I should not be responsible to pay. I have no idea of what my balance is or when my payments post. I contacted this company to get assistance on updating the account and was told there was nothing they could do until I pay the past due amount. I make my full payment every month. This is outrageous that they can bill me for late fees and additional interest without providing me access to see the activity on my own account. They are reporting this account as constantly delinquent.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like XXXX XXXX. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you XXXX  days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$810.00}
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed a fraudulent account still appears. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card or prepaid card

I received emails from Bank of America and XXXX XXXX stating my application was approved for a credit card maybe about a month and a half ago. Maybe a week after I received that email I got another email saying they will be mailing my card to me. I then got in touched with both Bank of America and XXXX XXXX to let them know that I didnt open those line of credit. They said they would take care of it. I also put a freeze on my credit from all 3 credit companies. I just received s notice from my chase account that my credit score went down XXXX points. Could we fix this issue sj my credit goes back up to where its suppose to be. Please and thank you
Product: Credit reporting or other personal consumer reports

This was fraud and I have bo idea what this debt is I have no idea who this company is. I have never signed anything I just want my signature and for them to send that to me. If not I want this off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was removed. And put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.