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

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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 1681 s 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to XXXX, Equifax, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report
Product: Credit card or prepaid card

Home Depot credit card number on bill does not match my Home Depot Credit Card number ; address for the payment to Home Depot is not a valid payment address. Payments that are made are not credited to my bill but they are taken out of my checking account.
Product: Mortgage

Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eqofax is the worst company to deal with.thier dispute form is the most irrational forum.they ask too many questions and make you irritated so you give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX ( Date claimed open XX/XX/2019 ) XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX ( 6 accounts ) XXXX XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX  Account Number XXXX 15 USC 1681 SECTION 604 A States A consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer agency knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD is reporting me as an authorized user on someone else 's account.

It is not my account. I have been disputing this with the bureaus and you keep verifying it. It is not mine and I have never signed anything. I demand you remove my name from the account and delete it from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of human trafficking after the consumer has notified the consumer reporting agency and provided the required information and documentation. I've provided all required documentation to the credit agencies to remove this information, as its states it should be removed in XXXX  days. The credit agencies have failed to respond to my request.
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 9 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023 The following collection : Portfolio Recovery Assoc {$620.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Product: Bank account or service

we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the bank of America branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies back.
Product: Payday loan, title loan, or personal loan

XX/XX/2021, I set up a new payment plan. At that time my bill was {$8700.00}. In the mean time I recieved some money so I paid them {$1000.00}. A few days past by and I call to see why my balance has increased. The representative told me that all of that money would go to interest intrastate of the balance. I told her they were not trying to help people. I asked to speak to a supervisor, if course one was not avaliable. I have not heard from them. Now my payment is suppose to be {$230.00} for 3 months not {$590.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, my name is XXXX XXXX, and i have been a victim of id theft. I have sent over 4 disputes to the credit bureaus in regards to fraudulent inquires that are on my credit report! I have had ZERO progress with the bureaus removing these fraudulent remarks!
Product: Credit card

On XX/XX/XXXX, I submitted an electronic payment for the full statement ( ending XX/XX/XXXX ) balance XXXX - to go through on it's due date of XX/XX/XXXX. 


On XX/XX/XXXX, a merchant submitted a credit to the account for the amount of XXXX. Wells fargo did no notify me of this credit. 


On XX/XX/XXXX ( payment due date ), wells fargo notified me that my payment of XXXX was rejected due to it being over the current balance. Because the merchant credit was received after the previous billing cycle, it should have been applied to the next billing cycle. Instead they made it retroactive and canceled a valid payment I had submitted. 


Luckily I was home and saw the notification that allowed me to submit another payment, but I had only a few hours to do so before I would have been penalized for non-payment. This is completely unfair consumer practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, Transunion has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. Transunion must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see  attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both Transunion and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.
Product: Mortgage

The mortgage holder appointed me as his Attorney in Fact in writing. This gave me the authority to act on his behalf as if I was him. They mortgagee, Select Portfolio Servicing ( SPS ), Bought a forced placed insurance policy on the house from XXXX XXXX XXXX XXXX ( XXXX ) and charged the cost of the premiums to the mortgage holder. On XXXX a fire occurred and a claim was filed by XXXX XXXX XXXX ( XXXX ), a third party vendor that SPS hired to process the insurance claim. SPS required me to submit a copy of a signed contract with a licensed contractor and other supporting documents prior to authorizing us to commence the repair work and releasing a portion of the claim funds. SPS inspected our progress through a third party vendor throughout the stages of progression ( ie 25 %, 50 %, etc ). On XXXX we paid the mortgage off in full. We had a pending supplemental claims payment in the approximate amount of {$32000.00} that insurer would pay for additional work that was not included on the original estimate. On XXXX the insurer sent the final payments to XXXX. XXXX forwarded the checks to SPS via XXXX on XXXX. SPS has no record of receiving the checks. SPS refuses to ask the insurer to reissue the checks. SPS thinks that XXXX will help me based on the fact that I can present the paid in full letter that SPS gave to me when we paid the loan off. XXXX will not accept the paid in full. They insist upon receiving a letter or memo from SPS authorizing them to deal directly with us. SPS refuses to issue such a letter or memo.
Product: Credit reporting or other personal consumer reports

WANTING TO KNOW WHAT TO DO IN REFERENCE TO FILING FOR THE CLASS ACTION LAW SUITE THAT LEXINGTON LAW HAS TO REPAY PEOPLE BACK, I USED LEXINGTON LAW FIRM REFERENCE FOR MY CREDIT. CAN YOU PLEASE SEND THE PROPER DOCUMENTS OR WHERE DO I FILE AS TO RECEIVE PAYMENT BACK FOR THE CLASS ACTION LAW SUITE , THANK YOU FOR YOUR SUPPORT IN THIS MATTER.
Product: Debt collection

Alpine Credit Inc is refusing to remove false information from my credit report. They've stated that they are not willing to investigate the matter and don't need to because I haven't " proven '' anything. My insurance company and I contacted XXXX XXXX XXXX XXXX XXXX ( who illegally hired a debt collector to collect the debt on behalf of XXXX XXXX XXXX ) to tell them that they billed the insurance company incorrectly. The inane lady who answered, XXXX, refused to take any blame by writing the situation off as " I don't know how this happened, it just seems strange to me because all the other claims were accepted but not this one '' instead of admitting someone in her office keyed in the wrong member ID which resulted in a denied claim, who knows it was probably XXXX who gave the wrong information to the insurance company but won't admit it. A year later they are trying to collect on a debt that I don't owe and are reporting that I owe a balance of {$330.00} all because they couldn't get the insurance company to pay out the claim due to providing the wrong information to them. This is called passing the buck and they are in violation of FCRA for reporting false and innacurate information to my credit buraeus. 

Please see the attachments below that show when the medical company tried to bill the insurance company and make note of the member ID number they listed for me and compare it against the member ID of my insurance card as proof they wrote down the wrong information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning their failure to respond to my dispute letter within the mandated 30-day timeframe, as per the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute through Experian 's online document upload form, contesting the accuracy of several entries on my credit report. The disputed items include incorrect personal information, as well as account listings for XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, and public record XXXX. 

Despite the considerable time that has passed since my dispute submission, I have not received any response or acknowledgment from Experian. This lack of action and non-response from Experian is a clear violation of the FCRA 's stipulation that credit reporting agencies must address consumer disputes within 30 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.
Product: Vehicle loan or lease

I purchased a new Honda on XX/XX/XXXX. The sticker price on the car was XXXX and Honda financed the car with a trade in for {$41000.00} with is almost double the cars value. I was in a car accident in XX/XX/XXXX and the Honda was totaled out due to the damage. My insurance paid XXXX and gap insurance paid another XXXX and I still have an unpaid balance of XXXX. I feel Honda committed predatory lending in this case by financing a car for double its worth. They also reported me late for two months as the insurance company worked through the claim. Honda also charged me late fees. I would like Honda investigated for predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : Hello, my name is XXXX XXXX, and I On XX/XX/2021 your office received my request for XXXX to provide proof that I have given authorization of an accounts on XX/XX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.
Product: Debt collection

I am writing to bring to your attention an issue on my credit report that requires immediate correction. Upon reviewing my credit report, I noticed the presence of late payments that I believe have been inaccurately reported. I kindly request your assistance in promptly addressing and rectifying this matter. 

I understand the importance of accurate credit reporting, and I value the integrity of the information contained in my credit file. However, I believe there may be errors in the reporting of late payments that are affecting my creditworthiness. To assist you in resolving this matter, I have enclosed copies of relevant documentation, including proof of timely payments during the periods in question. 

XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX XXXX customer service representative XXXX 

I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate information be corrected promptly. I trust that you will handle this matter with the diligence and attention it requires. I kindly request that you keep me informed of the progress and any actions taken to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute cases and several requests for reinvestigation with little progress in correcting inaccurate and fraudulent information on my Experian credit report. On XXXX I sent a signed 609 letter to Experian customer relations containing identity documents and items I was requesting investigation on and requesting that all documentation be requested from the reporting party and provided to me by mail or email. The timeline for Experian to at min acknowledge my letter was clearly stated as 30 days from the date the letter was received by Experian using regular mail. I received no acknowledgement, no documents and there was no change or indication anything had resulted from the letter on my credit report. Out of an abundance of caution and to ensure that Experian received my written request I sent a follow up letter that included with it the original letter sent XX/XX/2021 and identity documents. I stated in the follow letter that I would extend the deadline to be provided documentation for each item requested, however, once again I have had no response from Experian, received none of the documents requested from reporting companies and there has been no changes to my report that would indicate any action has been taken. This is all in clear violation of the Fair Credit and Reporting Act section 609.
Product: Debt collection

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with the Jefferson Capital System. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt. 
XXXX07 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes. 
Given the lack of documentation and absence of a contractual agreement, the actions of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear to be in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.