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

The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. Experian reflects a different balance of {$200000.00}. XXXX reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and DTI ratio. I have attached documents for review
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 Section 64 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 items of information, other than records of convictions of crimes which antedates the report by more than seven 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 accurate.

This company, LVNV Funding LLC, extracted funds from my bank account without authorization. I have not ever given them access to my bank account information.
Product: Credit card or prepaid card

Around XX/XX/XXXX, I bought an item from XXXX warehouse. The item was listed like new with packaging damage. Upon opening it, the product inside was not the same item as I ordered. I asked for a refund upon return from XXXX and they agreed to refund me when the item arrived in their warehouse. When I saw the item had arrived in the warehouse, I consulted with customer service about the refund. The agent told me I would be refunded within 2 weeks after the item arrived in their warehouse. I waited 2 weeks and contacted XXXX customer service again but they told me I still had to wait. I waited another week but I still didnt receive a refund so I contacted XXXX customer service again. They told me the same thing, that I would be refunded soon. But it seemed like I was never going to get my refund so I opened a dispute with my credit card company, Discover. Discover solved things for me and gave me the credit for the item I purchased. They said the issue was solved but all of a sudden on XX/XX/XXXX, they reversed the dispute and sided with the merchant, XXXX. They said there was not enough proof to determine the reasons for my dispute which is why they sided with XXXX. I dont understand why they suddenly sided with XXXX after so long, especially when I dont have the tracking number for the order anymore because its been so long. I feel that this is very unfair and surprising that they suddenly did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/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 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, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to Experian inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through Experian, which I did. After asking three different credit union associates for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the Experian dispute. As per Experian, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian about incorrect information being reported about me on my file. I have been in dispute for ONE item for the past XXXX months. The dispute is for a late payment that happened back in 2018. After speaking with the original creditor, XXXX XXXX, has applied the payment to the following month instead of the month that I was making the payment for, causing the late reporting. Well shockingly enough XXXXXXXX XXXX can not update the information on their end .... as a creditor I find this to be lazy and just unacceptable. If you, the creditor, were able to report the wrong information, you should be report the correct information, especially when it was the creditors fault. I digress. 
Upon many supervisors telling me the same thing, I submit a dispute with Experian, with proof of statements with the XXXX letterhead about the error. Experian, has conducted a terrible investigation because it completely disregarded the statements and said the information was verified. ( Being late ) How can you verify something without showing me WHY it's verified, who you spoke with and when, and what documents did you show me that you have received from XXXX verifying that I was late? Because I have sent YOU ( Experian XXXX the documents supporting that I was not late. 

I am not the only one who is having issues with this. I'm sure if enough people came together about the neglect for this terrible system, multiple class action lawsuits would come from this. 

My only anger is that I'm providing proof about the matter and not pulling a lie out of thin air.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- Located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ran my credit on XX/XX/21 without my permission. I have not inquired or requested any services from them on XX/XX/21. Any business that I has with them has been completed and closed for some years and it does not give them the right to unlawfully run my credit whenever they choose to,
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a used vehicle with XXXX miles on it from XXXX of XXXX in XXXX, TN. The Bank that financed the vehicle was American Credit Acceptance. The amount financed was {$12000.00} and the Bank charged me an interest rate of 28 % stating the the finance charge would be {$13000.00} for a total car price of {$26000.00}. I signed the agreement not knowing what was and/or are legal interest rates for consumers to be charged. It seemed high, but I needed the car. My first payment was due on XX/XX/XXXX and since that time I have paid American Credit Acceptance {$10000.00}. Due to my work schedule in XXXX, my payments have been more sporadic. 

An online consumer law attorney told me that the statute for interest rates in the State of Tennessee is 8.75 %. They have charged {$7000.00} more in interest than the 8.75 % statute allows. The car 's current XXXX XXXX XXXX value is {$2100.00}. 

Yesterday, the car was repossessed due to missed payments. Had the interest rate been more in alignment with the rate listed in Tennessee 's Title 47 ; Chapter 14 statute, none of this would have occurred.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Address XXXX XXXX XXXX A XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$230.00} Date Open XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$830.00} Date Open : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Date Open XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX will not move inaccurate info that the other company have also ftc violation and police violations sent hpd and fair credit act XXXX had the never to say my police reports were fame whey dont they call me and we can go up there together and ask the police department if they were real!!! i'll pay for the trip to XXXX but if they are real i get all the pain suffering and lost income and i get to file XXXX insurance policy hippa violaiton XXXX XXXX are using unfairl pratices to ftc vilation and fair credit report act an hippa
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven years.

15 U.S.C. 1681s-2 ( AX1 ) 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 card or prepaid card

I am being charged late fees when I paid on time and was enrolled in autopay
Product: Credit reporting or other personal consumer reports

I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : XXXX XXXX XXXX AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  ( BANK ) XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is furnishing and reporting information on my Experian consumer credit report stating that the account is a charge off. Federal law finds that the informed use of credit results from an awareness of the cost to the consumer. This account MUST be removed due to my uninformed decision when I entered this consumer credit transaction. The only evidence of indebtedness is the agreement but that agreement is NULL and VOID because I made an uninformed decision and did not understand the meaning for it was not clear and conspicuous. Promptly remove this account from my consumer credit report as you are required by Federal law to do so.
Product: Debt collection

I was contacted via mail by Receivables Performance in XXXX in writing, I could not get onto their website. I replied by mail asking for Validation of Debt in XXXX. I received a bill on XX/XX/2020 from Receivables Management that indicated XXXX was the original debtor. They statement I received indicated I had 7 calendar days to make a payment of my account would be sent to collections. No dispute information was provided. I mailed my check on XX/XX/2020 to XXXX as it indicated on the notice. I also sent a letter to Receivables Performance indicating I mailed a check to XXXX. I was not given 30 days from the validation to make a payment, they sent my account to collections in 7 days. I have had to submit disputes and they have instantly removed the ding on my collections report. I believe by law RP should have allowed 30 days after validation. They are in XXXX Washington, there's no way my letters took that long so they knew I paid XXXX. I believe they retaliated because I asked for proof. their # is XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a XXXX back in XXXX or XXXX and did NOT have our XXXX or our XXXX mortgages included in the XXXX. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER XXXX XXXX XXXX # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the XXXX and found out that he got his licensed suspended at the time because of numerous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to go and trade my car in since Im XXXX and the car dealership said I would have to get something smaller than what I have because of my credit. I didnt understand why so I went and looked at my credit and I see accounts on there that is not mine XXXX, XXXX XXXX and XXXX. I have filed a complaint with the FTC and contacted the police here. Im doing this on my own and need some help taking these accounts off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting complaints in the CFPB regarding Equifax for quite some time now and it always saddens me when Equifax uses stall tactics. They have been receiving my letters and complaints for over a year now and it is just unprofessional for them to constantly ask me to verify my identity. I should not have to CONSTANTLY reassure them that I am addressing the inaccurate items on my credit report. I can only suspect that the ONLY reason why they use deviation tactics is because they can not verify the information on my credit profile that is being disputed. I submitted the complaint/ dispute and moving forward I will be disputing any and all inaccurate information on my credit report because it is my right. I have the right to a credit report that is 100 % accurate. If Equifax was as diligent as verifying inaccurate information on my credit report that they are with verifying me as a person I wouldn't have to submit complaint after compliant. It appears they do this to stall. The FCRA describe the dispute process and Equifax never follows the FCRA guidelines this is shown blatantly with my dispute which was filed via mail OVER 120 DAYS ago. Most recent complaint and dispute was filed via the CFPB so I can have a actual record of my communication with them in the event I have to move forward. In complaint XXXX Submitted XX/XX/2022 regarding # XXXX XXXX, XXXX, XXXX and XXXX. None of these accounts have the legal backing to be on my credit report according to the FCRA " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. '' XXXX has not provided this " original contract '' because they can not verify this information. By providing the " original contract '' because their isn't XXXX from me. Equifax needs to remove these account Immediately. I have been more then patient and Equifax constantly stalls my complaints and disputes. I am herby requesting that Equifax expedites there process and remove this account from my credit profile. 
XXXX XXXX isn't a XXXX bill with a letter head, it is some contract that should be between me and whatever company XXXX is claiming to have ownership or that account. If they have not submitted this to Equifax it's because they can't verify those account and thus needs to be removed at least until they submit proper documentation according to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX unauthorized hard inquiries that have recently appeared on my credit report. After a thorough review of my credit history, I have identified the inquiries, which I did not authorize.
Product: Debt collection

I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a  representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report. 

I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?
Product: Credit reporting or other personal consumer reports

I have sent out a certified letter twice on the same thing, and they keep telling me they have finished their investigation but never send me the information I require after they finish their investigation. Under the guidelines, I have the right to all copy documents that they investigated and said I signed the contract and each one that is in my file. I have asked them when they finish the investigation to also send me a copy of my credit report. 
All my correspondence with the Experian Credit Bureau has been through Certified Mail. I have all copies of the letters and copies of the Certified return dates and times.
Product: Mortgage

In XXXX I entered into a mortgage modifaction with ocwen mortgage thank took several months to get after hundreds of phone calls and sending information that they required for the mod several times. I entered into the mod that was to begin in XXXX of XXXX. I was told to have an amount of money in the bank by fed of XXXX that they were going to withdraw on or before XXXX XXXX XXXX in witch they did. then the agreement was to begin making my need discounted payments in XXXX of XXXX. I made all my payments on line and on XXXX of XXXX it would n't allow me to so I called them and I was told by them that my mod was cancelled for not making the down payment I was to make in XXXX. So I told them at that time that I did make the payment and you took it out of my account on XXXX XXXX XXXX. They told me that I was not in the modifaction till XXXX XXXX so that is did n't count for that and they used that for back payments. At that point I could no longer trust or make any other deals with ocwen. I have made hundreds of calls to them that goes direct to XXXX and you can not understand any of them. In XXXX they pad locked me out of my home and still have not forclosed on his home and are every month reporting to my credit for not paying. I have all documents showing that I did everything I was told to do door this modifations including all bank withdraws contracts showing all the dated and a letter from them stating why the mod was cancelled. They have no right to stop this mod and are now holding my credit hostage and are still calling me to enter into another mod
Product: Debt collection

OnXX/XX/XXXX I received a copy of my credit report. On that report was a collections from XXXX XXXX XXXX XXXX XXXX. I notified XXXX I was never given written notice to dispute this debut. On XXXX I wrote a letter asking for XXXX XXXX XXXX to supply me with the following information : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent I was not mailed the required information for validation of this debut per my request. This company isnt authorized to collect in my state. This company has violated my federal rights on several occasions and isnt above the law. 

XXXX is reporting this as verified, but hasnt sent me the information used to validate this debut. This debut isnt mine. Its been over 30 days without validation.
Product: Checking or savings account

On XX/XX/year> a series of fraudulent charges were charged to my account. 
Wells Fargo was able to investigate the charge but denied my claim saying the charges were valid. I was not given any opportunity to dispute or provide further evidence.