23daVinci/CFPB_Complaints huggingface dataset:
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 sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am TIRED! The XXXX credit bureaus are still practicing bias on XXXX consumers regard their credit scores. For over 2 years, i have worked hard to build my credit which all score were close to 660-680. for months, i did not use my credit cards and my credit use dropped under XXXX percent. because of inflation and const of consumer products have gone up. I had no choice to use my credit cards, they DROPPED MY SCORE SIGNIFICANTLY! decreasing from 10-35 points! during A SOCIAL ECONOMIC CRISIS. However, when I paid my balance off in less than 30 days, I only get points of 1-10 points BACK! I am a XXXX woman of XXXX, who has worked diligently to at least build a fair credit rating. The bureaus make it difficult to build a decent credit rating and penalize consumers for increasing card use when prices for products, including gas has significantly gone up! I am trying my best to build my credit, and now my credit score was deducted another 5 points for a new credit card ( hard credit pull ) ... are they serious? We are trying to survive and just live! consumer have no choice but to rely on credit cards for their basic essentials. However, I pay off my credit cards only to get a couple of points back. How are they deducting points from consumers in an economic crisis? I want my scores restored, please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account numbers XXXX*** ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX RE : Late Payment Removal Account Number : XXXX Balance : XXXX Late Payment Dates XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication.
Product: Credit reporting or other personal consumer reports

This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately.
Product: Debt collection

Summoned for a debt that was more from 5 years ago. LVNV Funding LLc using unlawful tactics to rob people.
Product: Mortgage

My closing is scheduled for XXXX XXXX and my loan originator XXXX XXXX XXXX at Bank of Texas XXXX : XXXX, Cell : XXXX XXXXXXXXXXXX XXXX sending me documents to review with in minutes notice and keeps pressuring me to sign and acknowledge the documents without explaining what I am signing. We have asked in numerous occasions for her to take time to explain the documents but she is just interested in getting the documents signed. Last night she called us and asked us to wire XXXX to the title company XXXX before closing and did n't explain why we need to do that. I refused. I feel pressured in signing the documents she is sending and not explaining because if I do n't my closing might delay, my seller might change their mind and worst case scenario I will loose my XXXX money.
Product: Checking or savings account

Bank of America closed my account for no reason at all out of the blue in 2021 with money in there I got no explanation or money back same thing happened with XXXX.and XXXX that account was fine until it struck negative while I wasnt working due to personal injury ( hit and injured in a XXXX car I was passenger in at the timeXXXX coles my account in less than 30 days .and also with the XXXX XXXX XXXX I followed the co law of habitability and it failed me.got me tossed aside I submitted a complaint with code enforcement they came did nothing even though they seen n documented it being there and the fact it had no windows and is on a second floor .none on second or third floor of that complex has windows
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my E

quifax consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. Things such as addresses, inquires, incorrect SSN attributes to my finds. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promp tly notify the furnisher ( s ) of that information
.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX and the three credit reporting agencies ( XXXX, XXXX, and TransUnion ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ).

Issues Identified : Inaccurate Reporting : The same account is reporting different balances, charge-off statuses, and dates across bureaus. This violates FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) as all furnished information must be complete and accurate.

Re-Aging of Debt : The account 's date of first delinquency ( DOFD ) has changed, which artificially extends the reporting period beyond the legal limit.

Multiple Charge-Offs : A creditor can not report continuous charge-offs month after month, inflating derogatory impacts unfairly.

Failure to Validate Debt : Under FDCPA 15 U.S.C 1692g, the furnisher must provide proof of a valid contract before collection or reporting. No such documentation was provided.

No Required Notice : I never received a written notice before this derogatory remark was placed on my credit report, violating FCRA 15 U.S.C 1681s-2 ( a ) ( 7 ).

Illegal Collection After Charge-Off : If this debt was charged off and used as a tax deduction, any further collection or reporting is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am disappointed because with my previous attempt to have this account deleted off my report, your company did not provide a response that would explain why this inaccuracy was reported from my file. I asked for your company as well to delete the said file but none has been taken action and it is becoming more frustrating.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These accounts are what I'm referring to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These are the adresses I am referring to 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: Mortgage

On XX/XX/XXXX I forwarded a {$1600.00} loan payment to Rushmore Loan Management Company. These monies were for one complete payment and a partial payment. On XX/XX/2018, Rushmore Loan Management electronically cashed this check. In XXXX I was getting phone calls stating my loan was in default. I questioned this as I had sent in the {$1600.00} payment. I have gone back and forth on this matter with Rushmore from XX/XX/XXXX to the current date of XX/XX/2018, with no resolution. Rushmore told me they would have to investigate this matter as they stated they did not receive payment. I called my financial institution to get a trace number so that Rushmore Loan Management could find this payment in their system. To date, I am being told this is under investigation. Two weeks ago, a XXXX XXXX 's bank representative and myself made a conference call to Rushmore loan management in another attempt to find out where this payment has gone. This phone call did nothing but leave me in the investigation phase. In the meantime, Rushmore is refusing to take any further payments towards my loan ; stating that one payment does not make up for what is currently owed. 

My house is currently under contract with a closing date of XX/XX/2018. Despite my constant attempts to resolve this matter, I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

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

I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

I have had this car loan since spring of XXXX. I have made every payment before it was due except one month missed and partial payment one month a year ago. I was told that due to the pandemic they understood and it wouldnt affect me in a negative way. My billing due date is the XXXX of each month. On Friday XX/XX/XXXX ( my birthday ) I went to leave to make the payment and my car was gone. They said they repossessed it because I was 90 days past due. I called and made a payment of {$1000.00} ( over {$700.00} in random fees not put towards my loan ) plus the fees at the towing company to get my car back and cooperated with paperwork and they still put 2 months deferral on the back of it. I checked my credit report for an apartment application and they have me as not paid every month for the entire last year. I went on the GLS website to print my payment history and even for XX/XX/XXXX it still said past due after I had given them everything they asked for! Because the phone rep didnt charge me an extra penny they reported an outstanding balance. Nobody told me this was affecting my credit. All I want is for my credit reports to reflect all of the months that I paid and that it was before the due date. This loan has demolished my credit score and is affecting me being able to even rent an apartment. I already knew the interest was high but after doing my research this company has a habit of giving consumers such as myself false information about loans, putting most of the payment towards the interest not the loan, and then reporting it negative to repossess and resell the cars at action and still request payment from the lendee. This company is a scam and I would like to have my credit reports show every month that a payment was made as in good standing. 1 1/2 missed payments during a pandemic is NOT a reason to sabatoge someone whos consistently paid the bill. I have disputed the negative marks with all three major credit reporting companies. I have filed a complaint with the XXXX XXXX XXXX. I am stuck in this loan now because they hurt my credit but I will contact as many people as needed to get this resolved. I can not be homeless over a car loan that I paid. It is unacceptable.
Product: Student loan

Hello, I need MOHELA to immediately correct an error on my account. On XX/XX/2024, I paid the full balance of my principal + interest for two of my unsubsidized loans, namely one with a balance of {$1300.00} and the other of {$690.00}. Rather than documenting this loan as fully paid, MOHELA did financial gymnastics to split my payment between the principal balance and interest, somehow crediting a few extra cents towards my interest ( which had not even been accrued yet! ), which forced me to maintain a balance of a few cents for MOHELA to leech extra interest off of my account. When I made a payment of the FULL balance on my account, I expect that MOHELA show this bill as satisfied. These practices are ridiculous and I will not tolerate it. I paid off the full balance of my account at the time of my payment on XXXX. I want these payments credited as such and I want MOHELA to rightfully document that these two loans have been satisfied as paid off. Please correct this error immediately. I will continue to message and call MOHELA every day until this matter has been resolved.
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I contacted Title max to try and reach a settlement. I was directed to my local store when I asked for my contract and payment ledger. XXXX said she could only retrieve the last contract since it was a monthly loan. When I asked for the payment ledger XXXX said it had been a while and corporate had taken over my accounts and she would print what was available. My payment ledger is inaccurate and only indicates one or two full payments. Since I am restricted from accessing my accounts on line I have no recollection of what Ive paid Title max.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a copy of my credit report and shows that his company was on my credit report as an inquire since XXXX2018. I  never applied for a credit card from this company and my mail was going the someone elses mailbox so I was unaware that is was happening. I am now being denied of credit due to inquires on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

You just removed the XXXX XXXX account and now you have re-added this account back on my file. 
I've already submitted to you some of the documents that I submitted to this company and they have not been able to validate this account claim. 
Now you have allowed this account filing to be place back on my file. 

This information needs to be removed immediately.
Product: Debt collection

I keep receiving a collections from Truist Bank XXXX BB & T Bank regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from XXXX XXXX  XXXX XXXX ( XXXX  ) their files XXXX XXXX  and XXXX XXXX. 

I have requested the proof of debt which I received from XXXX  on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to XXXX explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. 
For my dismay, yesterday, I received another collections letter from XXXX. 

This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. 

I want the bank to cease and desist this collection effort together with XXXX  and or any other collections agency. 
If the resolution is not satisfatory, I will pursue the matter legally. 
I sincerely hope you can help me resolve this matter cleaning my credit and good name. 
Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Act. number XXXX Open XX/XX/XXXX amount {$580.00}, XXXX XXXX ( XXXX XXXX XXXX XXXX ) account number XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and CMI with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Credit card or prepaid card

My XXXX VISA card was charged on XX/XX/2020, {$880.00}, {$500.00}, {$600.00}, {$600.00}, and refunded {$880.00}, by VENMO. I dont have a VENMO account, so they wont tell me anything. My Credit Union wont deal with it because VISA wont give them more than two months of statements. VISA wtold me my credit union deal with it. Everyone is passing the buck and not taking seriously a {$1700.00} theft from a senior citizen. I need government intervention.
Product: Debt collection

LVNV has no license to operate or try to collect on a debt in the State of Florida they have been constantly trying to communicate with me concerning a debt I have repeatedly ask to to validate with ownership with the legal standing to collect. No such information has been provided. If they can't legally do business in the State of Florida without a license they can't try to collect or continue to report negatively to the credit bureau. They are in violation of might right and will be sued for damages effective immediately.
Product: Credit card

I was called by the bank issuer ( CITI BANK ) of best buys store credit card stating that I owed a balance of {$600.00} for a XXXX XXXX XXXX purchased in XX/XX/2023. However, I never bought said item and I asked the representative for a receipt confirming my signature to show that I authorized that transaction, however they did not give me a duplicate receipt until months later in the mail showing only the transaction and the store location but not my signature. I personally shop at the Best Buy located on XXXX XXXX XXXX, XXXX for my Best Buy products so I have no need to travel to the Best Buy location in XXXX, XXXX. I have been a loyal Best Buy credit card member for 20+ years and have paid my debts for much larger valued items than what is shown here. I did not authorize the transaction and they cant even show my own signature authorizing the purchase with 12 month financing which I had to do for previous Best Buy orders that I financed instore. I find it ludicrous that the card issuer ( CITI BANK ) can conclude their investigation and state I am held responsible for a charge I did not make when I have a history of paying my debts with Best Buy for over 20 years.