23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  XXXX Date opened- XX/XX/XXXX account # XXXX remaining balance was- {$820.00} charged off in bankruptcy new reported credit shows it under another agency now LVNV Funding LLC XXXX Collection on - XX/XX/XXXX account # XXXX Balance- {$820.00} Original Creditor : XXXX   XXXX XXXX  Status- In collection This account should not be on my credit report and was already charged off on my bankruptcy. Please remove off my credit.
Product: Debt collection

I have received XXXX calls from what I believe is a collection agency. They say they are looking for my niece. They claim my phone number is what she used for her primary contact number. When I call them on it and say they are lying they become rude and accuse me of lying. When I ask how they got the number they refuse to say. I have NO relation with my niece and there is no way she would have used my number. I have a small business and my number is my business number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with American Honda Finance Corporation numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by American Honda Finance Corporation this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. Honda Financial Services sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by HFS, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Product: Debt collection

XXXX XXXX is trying to collect a debt in the amount of {$2000.00} which was added to my credit report on XX/XX/XXXX16. 

I have tried making contact with XXXX XXXX and each ( 3 ) credit bureau letting them know this debt does not belong to me. I still have not received original signed documents from either of the bureau nor XXXX XXXX the credit bureau are saying these items have been verified I will like to see the original signed documents stating how.
Product: Credit card

I have unauthorized inquiries on my credit report that I did not consent to or benefit from. Attached below is my identity theft report. 

15 usc 1681n ( b ) willful non complianceCivil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named " XXXX, XXXX '' has been reporting inaccurately on my EXPERIAN credit report for some time now. I have disputed it several times over the past couple of years and I have provided police reports and other documentation showing that my identity was stolen. I have submitted all proof to the credit bureau multiple times showing proof that the account showing on my credit report is inaccurate. EXPERIAN keeps replying giving false information saying that they completed an investigation and the information on my credit report has been confirmed. That is absolutely incorrect and illegal to falsely state that when it couldn't possibly have been investigated otherwise they would learn that the account is inaccurately reporting. I have attached a letter from the creditor themselves saying they show no account in my name. This is so unfair, unethical and more importantly illegal to report inaccurate information. I have exhausted all options and patience and now have no choice but to take further action at this point. 

I have requested to remove the account from my credit file as it is inaccurate and negatively impacting my credit score. It's unfortunate that I have to deal with the consequences of EXPERIAN 'S mistake and that I have to go through this extent to prove the truth. I hope this matter gets resolved sooner than later because I refuse to give up for what is right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account DEBT RECOVERY SOLUTIONS , LLC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DEBT RECOVERY SOLUTIONS , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

A balance transfer was made from my Wells Fargo Visa card account to my XXXX XXXX XXXX XXXX account on XXXX XXXX, 2016 in response to a Wells Fargo Promotional Balance offer solicited by mail to me ; the transfer was for {$10000.00} with a 4 % balance transfer fee, and I would enjoy a 2.9 % APR for 12 months. 
In response to questions I made, it was stipulated that " payments above your Minimum Payment Due will be applied to your highest rate balance first ''. 
My complaint is that payments I have been making, all above the Minimum Payment Due, have been paying down the Promotional balance with a 2.9 % APR, which is now reduced to {$7000.00} from the original {$10000.00}, while my Purchases Balance remains at about {$2500.00}, with a 17.1 % APR. 
This practice is a case of a fraudulent and mis-leading promotion which is contrary to common sense for a consumer taking out such a transfer with a 4 % fee, and not enjoying the promotional APR of 2.9 % for the full term on the balance transfer amount.
Product: Debt collection

On XX/XX/2020 I received notification from XXXX my credit report changed. I checked and there was a collection account for Midwest recovery systems llc. I reached out to both midwest recovery systems and they did not have a valid mailing address on file and they never sent notification 30 days prior before this was placed on my credit report. I reached out to XXXX XXXX loans the original creditor and they do not have an account for me in their systems. The represenative from Midwest Recovery systems refused to provide me a mailing address or any information about the debt and refused to send out any paper notifications.
Product: Mortgage

Yes I learned that my mortgage company united wholesale mortgage company. Put me in a forbearance program in XXXX without my knowledge or consent and signed the documents without my knowledge or consent. I have been making my payments on this loan with them since my last refinance since XXXX. I want to file a criminal complaint because I did not need a forbearance program because I never had trouble making my mortgage payments during the height of XXXX. When I asked the company why i was in forbearance program, she said because of covid. During covid I did not have any trouble making my payments as i have been retired since XXXX from the military.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX  XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorized user on a XXXX XXXX account that had a 30-day late  payment status in XX/XX/XXXX. I investigated through the authorized user and found that the payment had failed on XXXX XXXX 's end. XXXX XXXX apologized, processed the payment, and reversed the late fee on our statement. I was informed in XXXX by XXXX that I had a 30-day late payment on my account from XXXX  XXXX when I assumed it had been removed. XXXX XXXX guaranteed me over the phone several times they would correct it in their system and make sure the 30-day late would be removed. I disputed this with both XXXX  and Equifax. The XXXX dispute processed almost immediately and removed the negative information and the XXXX XXXX account completely off my credit report, the correct decision. Equifax dispute returned a remark of " Account previously in dispute - Now resolved by data furnisher '' rwith the 30-day late on my credit report showing me as an Authorized User as of XX/XX/XXXX, which I am clearly no longer an authorized user. Their system is inaccurate and false reporting. This account needs to be completely removed from my Equifax history. This is not my account though they keep reporting it as such. Now that I am not an authorized user, XXXX XXXX refuses to talk to me about this matter so now I am helpless. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF CREDIT PAID IN FULL ON XX/XX/XXXX VIA XXXX WIRE  TRANSFER. 
FOR WHATEVER REASON XXXX  DID NOT POST THE PAYOFF TILL XX/XX/XXXX. 
PROOF OF WIRE IS ATTACHED TO SEE FOR YOURSELF. 
DUE TO THEIR XXXX IN NOT PAYING OFF THE LOAN WHEN THE WIRE FOR THE PAYOFF WAS RECEIVED ON XX/XX/XXXX I WAS NOTIFIED THAT I WAS REPORTED AS XXXX DAYS DELINQUENT FOR THE XX/XX/XXXX. 

THIS HAS CAUSED ME IRRERAPABLE DAMAGE TO MY CREDIT. 
I HAD CREDITORS CLOSE SOME OF MY ACCOUNTS. 
I HAVE IMPECCABLE CREDIT IN MY XXXX YEARS OF CREDIT HISTORY. 

I REALLY NEED HELP ON THIS AS I CANT GET THIS TO BE CORRECTED AND MADE RIGHT. THIS IS VERY UPSETTING TO SAY THE LEAST AND TIME CONSUMING REMOVE THE INCORRECT CREDIT REPORT BUREAN DELINQUENCY REPORTED FOR XX/XX/XXXX : NEED XXXX TO REIMBURSE ME FOR ALL THE DAMAGE DONE BY THEIR XXXX VIA SOME KIND OF SETTLEMENT ON THIS. 

PLASE FURTHER ADVISE WHERE I SHOULD BE SENDING ALL PROOF OF PAYMENT PLEASE ADVISE ON THIS XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against Portfolio Recovery Associates LLC for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C. 1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. Portfolio Recovery Associates LLC has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and possibly under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.
Product: Checking or savings account

I am writing a complaint against Mavy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized. I was charged fees due to the prolonged process of posting my charges and credits. I believe these practices were are unfair and request an investigation into the matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to fcra accounts must report 100 % accuracy the payment history is completely inaccurate and looks like Wells Fargo is reporting the account chargeoff EVERY MONTH EVENTHOUGH ACCOUNT CLOSED A PURS VIOLATION INACCURATE reporting not to mention. The days are showing 30 60 XXXX  XXXX  how does that make since???
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank of America credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by Bank of America and referred to Bank of America Collections. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with XXXX  and received notification that Bank of America had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted Bank of America 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.
Product: Vehicle loan or lease

I got a car loan with Regional Acceptance Corp back in XXXX. I paid off the loan on XX/XX/XXXX in full in the amount of {$4400.00} through the my bank bill pay since it was a large amount. Money was sent, and withdraw from the account. This was not credit to my account, and it was closed on my credit, but not on my co-signers. I no longer use that particular account that the money is sent from. So I am working on getting the bank statement from that financial institution. I got a call on XX/XX/XXXX stating that they were going to repossess the vehicle even though the car was paid in full. Must be some clerical error on this companies side.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern : There has been unauthorized accounts that do not belong to me that's on my credit report. I have tried to dispute it, with the three credit bureaus ( XXXX, XXXX XXXX Transunion ) but they refused to remove the items from my credit report. 
The accounts below are not mine : - XXXX XXXX  XXXX -XXXX XXXX XXXX -NAVY FEDERAL XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit card through US Bank. I contacted the credit card company after paying off the full amount on the card. I then contacted US Bank directly to make sure that there were no issues and that the card was paid in full and that I would never have to hear from them again, because I am fed up with their business tactics. I made the payment of the full amount due on XXXX/XXXX/2017, the payment posted on XXXX/XXXX/2017. Today XXXX/XXXX/2017 i got an email from US Bank saying that I now owed them {$24.00}. I called them right away to find out why. The CSA told me it is for interest on cash advances. I said how can you charge me interest on an credit card that I have paid off in full, verified with US Bank that it has been paid in full, and has been closed? She tried to tell me that interest is accrued daily for cash advances. I told her that was wrong because everything was verified as having been paid in full and the account has been closed, I insisted that interest can not be charge on a closed account that has been paid in full. She continued to regurgitated talking point about company policy. So I interrupted her and said she needed to do something because I am NOT paying a bill on a closed account, especially when these fees have been added AFTER account was paid in full and verified as being so, AND has been closed. She said she could do a " one time '' courtesy refund of the fees. I said " what do you mean on time ''? I said this account is closed and if you continue to bill me you will refund the money every time! She said i will probably receive a more statements with amounts due on them. This is very shady! I have a high school friend that states her daughter is having similar problems with US Bank! US Bank has never been customer friendly, and after utilizing there services for 10 years, i moved my account to a credit union. When I closed my US Bank account the teller asked me why I was closing them, I told her that there is ZERO benefit to me having my money in US Bank. She just shrugged her shoulders and thanked me. 
That seems to be their whole attitude. 
I worked my XXXX off to pay off this credit card and US Bank just keep trying to XXXX me dry!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than XXXXne of all 3 bureaus 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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file
Product: Vehicle loan or lease

This complaint is specific to Volvo Financial Leases. When leasing a XXXX or newer Volvo via Volvo Financial you are essentially trapped in the lease meaning they have added a clause that you can not trade it in at non Volvo dealer, can not sell to a third party, can not even transfer the lease to another consumer. I have leased vehicles previously and when I was done I simply traded it in, paid the balance ( if any ) and moved on. I have also been advised by XXXX Volvo dealerships that even the Volvo dealers are not allowed to purchase the vehicle or they could face significant fines from Volvo financial. The only way to leave the lease is for me to buy out the vehicle completely which does not make sense. 
I am certain this is written in the lease but definitely something I feel they snuck in post XXXX and shame on me for not reading every detail of the lease contract.
Product: Credit reporting

The state of Missouri by mistake filed a tax lien against me in XXXX Co Mo. I contacted the state and they sent a letter of expungement to XXXX co who took it off their records. I have contacted trans union at least 6 times and filed disputes. They just drop them for no reason and leave the info on credit report which makes it impossible to get a real estate loan. I '' ve given them all the infor and sent them a copy of the letter of expungemnt but they just wo n't get my credit report fixed
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action..