23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT.

LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX  AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE.

I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I am informing you of serious FCRA violations that have been conducted by Transunion in reference to my personal credit file. There were unauthorized inquiries made on my credit report. I formulated a dispute letter directed to Transunion outlining my concern for this matter. I requested an investigation into the unauthorized inquiries in which I never made. I asked for supporting documentation to solidify any legal reasoning for them to report these entries to my credit file, and if it no positive evidence materializes, remove the inquiries from my report. No investigation was ever conducted, as Transunion never responded to my request. The certified letter was delivered to : Transunion XXXX XXXX XXXX XXXX XXXX XXXX The certified mail was signed for by XXXX XXXX XXXX XX/XX/XXXX at XXXX a.m. with XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. As I am writing this complaint, today is XX/XX/XXXX, which is 7 days past the FCRA legal threshold that a credit reporting agency has to respond to a consumer dispute ; per FCRA the inquiries must be removed from my credit file. Transunion never responded nor did they remove the inquiries. My latest report from XX/XX/XXXX continually reflects the unauthorized inquiries. These are violations of the 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy. I have attached all supporting documents to this complaint.
Product: Credit reporting or other personal consumer reports

Disputing Information in Credit Report I am writing to dispute the following information that your company has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX account # XXXX is inaccurate How can I open the same account on two different dates Transunion says opened on XX/XX/2021 XXXX says opened on XX/XX/2021 Please delete this account. 
Also Transunion says there are zero late payments but XXXX is reporting 5 late payments. Please delete this account!! 

Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has fail to provide a legal contract of purchase an proof dates an type of viecle they acuse me of purchase. 
I have never owned a XXXX nor have I sind a legal contract. I am not marry an XXXX  XXXX XXXX told me, they spoke to my wife an at later time spoke to me .. it's false. 
I found out of this fraud when I tryed to purchase a semi truck. 
After my attempt to purchase the semi I called XXXX  XXXX XXXX an found out the fraud. They record every call. I made a claim to the fraud department an XXXX  XXXX XXXX has refuse to remove this from my credit report. I need freedom from this injustice not to mention the handling unprofessional service matter. I'm asking for proof/ an removeble of charge off out of my credit report. I will also follow with a complaint to the statw attorney.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because  the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to o be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I does not own. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies Experian, XXXX, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT Experian XXXX nor XXXX  verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Experian regarding inaccurate reporting on my credit profile for the account Flagship and method of verification, they did respond and said this account was verified. I sent them another letter on XX/XX/XXXX to verify these inaccurate reporting for the date of last activity and also date opened. I have received no response. I made a phone call to a representative on XX/XX/XXXX with a representative and she stated that he has been updated and remains as of XX/XX/XXXX. Experian has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information as well as illegally re aging. We know that RE-aging credit accounts causes older negative accounts to look more recent which can not only allow the company to collect on the debt longer than they are supposed to but it is also is a serious violation of the FCRA and damaging to my credit. The last payment is reporting XX/XX/XXXX but Experian has updated the balance of XX/XX/XXXX and reporting XXXX late payments on a CHARGED OFF account which dings my credit profile every month. NO payments have been made! There is NO payment arrangement in place! I have also attached to proof to this claim. This is illegal and unfair credit practices. This has caused me enough stress I will have to bring Litigation if this not resolved.
Product: Credit reporting or other personal consumer reports

According to the CARES Act, my student loan should be in forbearance until XX/XX/XXXX. Navien has even reporting bad to my credit XX/XX/XXXX- XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 Comenity Bank closed my Credit Card that was in perfect standing. They cited 'inactivity and/or information ' in my credit report for cause. I had made several purchases over a week before on XX/XX/21. As far as my credit report there was nothing negative about my score or report that should lead to an account being terminated. In fact my credit score and history overall greatly improved since I obtained the Comentiy Card originally. Comenity essentially made a 'mistake ' and thought my account was inactive so they cleared the books before verifying the account was indeed not being used. This all occurred while I was actively shopping for a mortgage which impacted my score due to the closed account, loss of available credit, and as a result of the closure I was forced to pay my balance in full to avoid having a balance with XXXX available which would further damage my score. I brought this to the attention of Comenity on XX/XX/21 and was told nothing could be done but I could write a letter disputing the actions. I wrote a letter of dispute and was again told nothing could be done and they again reference inactivity and/or information in your credit report. I was unfairly targeted because of the incorrect status of 'inactive ' and otherwise my credit report would not have been reviewed, nor would the account have been touched.
Product: Credit card

This phone number XXXX has been reported and I filed several complaints. I have listed on the do not call registry. The call is from XXXX and complains that I owe amazon store card. If you ca n't fix this please give my another department to get this to stop. They call all times of the day and night. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Product: Payday loan, title loan, or personal loan

I have reason to believe that Marcus by Goldman Sachs is engaging in predatory lending. The reason for my beliefs is that I recieved a loan from them a couple of years ago. At the time they gave me the loan they did not tell me that they were going to charge me an outrageous amount for the interest. I have paid over {$5800.00} on a XXXX loan and I still owe them XXXX. I have communicate to them that I am having diffuculties making the payment they want of XXXX a month and instead been paying XXXX a month. The have retaliated by damaging my credit to the point of my credit being unfavorable. Can you please assist me with getting them to lower the interest on my loan and allowing me to pay XXXX month due to the pandemic. Thank you.
Product: Checking or savings account

I was trying to withdraw funds from a all point atm it was a normal process the tray opened I had to remove my card then the atm said it was trying to acquire a signal and the screen went dark I waited for around 10 minutes but it never came back on. It was at a XXXX grocery store and the staff said they have nothing to do with the atm. I called the number on the atm and was told to call the bank. It is a chime account. I file a dispute and the next day I was informed they determined no error occurred and my claim was denied and considered closed. Im not sure of the methods they use to make a determination but it seems like they would have to know that there was more money in the machine than it was supposed to have.
Product: Debt collection

Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act 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 as Violated my Rights. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX : it also states a Consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I received a letter from Barclay 's Bank on XX/XX/2022 telling me that my Gap credit card ( Newly sponsored by Barclay 's Bank ) was reporting 90 days past due and that my account was now closed and a balance was still due. 

I called immediately and was told that the amount due was interest and late charges because of that interest that was not paid. 
I paid the amount that was requested of me promptly and inquired as to how there could be a balance given that I had paid my balance in full about 3-4 months ago and had not since used the card.

The person on the phone told me that although I had paid my balance in full, interest charges had posted at a later date because I had paid in full prior to the due date.

I told the agent that I was never informed of a new balance and was told that it may be due to Gap being newly sponsored by Barclay 's Bank and I may not have recognized a billing from them. 

I explained that this did not seem fair and that my credit profile and scores would now be unfairly affected. 
I was directed to speak to a supervisor. 

I called on two occasions to discuss this with two supervisors. 
Both said they could not do anything for me and both told me to contact the FCRA. 

I understand that the FCRA is the Fair Credit Reporting Act and is not an agency. 

I don't feel it is fair to affect a persons credibility ( credit profile ) when there is no intention of non-payment as well as poor communication from the creditor.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.