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

I contacted XXXX, Transunion and XXXX credit bureau in regards to a repossession account with XXXX XXXX. I cited 9-506. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

Due to the fact that I was never notified of the vehicle being sold and a few other errors on this account. I was not provided with any copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 

It was just simply placed on my reports as " Subscriber reports dispute resolved - consumer disagrees '' and " Completed investigation of FCRA dispute - consumer disagrees ''. 

I have not been provided any of the things to prove this debt is mine. Therefore they are in violation of my rights.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Debt collection

I am filing this complaint regarding a collection account with CKS Prime Investments that remains on my credit report despite an agreement for its removal upon payment. 

The account was originally opened in XX/XX/XXXX with a balance of {$1500.00}. During this time, I was unemployed due to the COVID-19 pandemic, which significantly impacted my financial situation. Despite these challenges, I worked to settle my outstanding debts and entered into an agreement with CKS Prime Investments for a pay for delete arrangement. Under this agreement, upon full payment, they assured me that the collection account would be removed from my credit report. 

I fully paid the account in XX/XX/XXXX, yet the account still appears on my credit report, negatively affecting my credit score. I have made multiple attempts to contact CKS Prime Investments to resolve this issue, but they have failed to uphold their agreement.
Product: Credit reporting

Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.
Product: Credit card or prepaid card

I have a Venmo account and I had a balance of {$89.00} to be paid on XXXX XXXX but we had a power outage in the area due to a storm and I ended up paying on XXXX XXXX. Today, I checked my account and they charged me a late fee of {$41.00} almost 50 % of the amount due. This is an absurd! Because of barely one day, they hack up a fee of 50 %?
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Debt collection

Called the Credit company Credence Resource Mana. Talked with them about a paid to delete letter. The company refused to work with me on this issue. I paid the debt and am still requesting that the item be removed. as i believe that this is not in my best interest or the law. The law says that i am allowed to have a fair opportunity to a fair chance and opportunity to build good credit. I have paid the debt. I believe it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : SYNCB/JC PENNEY, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX .
Product: Debt collection

This goes back to a problem with XXXX and XXXXXXXX XXXX My husband passed away last XXXX. I call XXXX to cancel his account. I was told this was done ; however, I continued to receive billings for his account going into XXXX. Each time I contacted them I was told a different story. 
After paying close to {$1000.00}. for my husband 's account without anything being done, I closed my account and went with XXXX, I also submitted a complaint though the XXXX 
I received notice from both XXXX and XXXXXXXX XXXX that both my husband 's and my account were closed. 
I was sure the matter was closed until I received a letter from XXXX XXXXXXXX XXXX I checked XXXX to be sure this was a ligament company, and it is. 
The letter said this was a collection from XXXX and XXXX bank stating as of XX/XX/24 there was an unpaid balance of {$320.00} I have contacted both XXXX and XXXX XXXX and have been assured that the accounts have been closed and there is a XXXX balance, which makes me think this letter is a scam.
Product: Mortgage

I have been behind on my loan since XXXX of XXXX. I applied for XXXX funds through XXXX. XXXX processed my application and reached out to my servicer, Rushmore Servicing, on or around XX/XX/XXXX. It is now 40 days later and Rushmore has refused to respond to XXXX 's debt verification request. 

For my part, I called Rushmore Servicing on XX/XX/XXXX and spoke with service rep. XXXX who informed me that they would take care of it. After waiting XXXX days and seeing no results, I then followed up with Rushmore and spoke with service rep. XXXX on XX/XX/XXXX and she stated that she didn't see a form to fill out. I then followed up with Rushmore and spoke with service rep. XXXX on XX/XX/XXXX who said that he can see the debt verification request but that Rushmore does not have authorization to release that information. In sum, he stated that it was because there is not a valid third party authorization from XXXX, but that is clearly not true. My attorney followed up with XXXX and XXXX provided the third party authorization that was sent to Rushmore. See attached. 

I need Rushmore to provide a debt verification to XXXX so that I can get current on my mortgage and save my home.
Product: Student loan

I was contacted by Student Loan Processing Direct ( XXXX ) by XXXX XXXX in XXXX 2014 for the purpose of paying off my Federal loans, consolidating them and lowering the interest at a fixed rate. A consolidation fee would be need to be payed in the amount of {$390.00} to start the program then an agreed monthly amount would be paid against the loan. Monthly payments were deducted beginning XXXX 2014 to present. When I learned my credit was indicating a negative score from the Federal Loan Program is when I learned this company had changed my contact information & phone number to another address and falsly claimed my loan in foreberence to avoid the Federal Loan from trying to contact me.
Product: Checking or savings account

My I my identity was stolen my wallet my car my personal information I think my daughter XXXX XXXX is using my name to get XXXX XXXX XXXX XXXX XXXX Etc or my aunt XXXX XXXX is doing with her they get check in my name they had bank accounts in my name I can not rent a place to live an in hotel with very bad XXXX XXXX XXXX homeless XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in my bank take money out of my account that was stolen from me and they will not give it back for me to me so I'm behind {$200.00} every month until I can get it which I can't make it up to balance and reporting my wallet stolen they credited me they took the money back I think it's unfair.I don't have enough money to live now an upside down every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, natural person and consumer have been a victim of unfair practices by consumer reporting agencies as they are reporting information that is not validated on my consumer report. This has caused me mental anguish, embarrassment and has been a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a multiple request and asking, how they verified this account as accurate. I requested the company to provide me documents validating the debt as mine but they never sent me those documents. I am not familiar with the accounts that they are trying to collect. I don't remember having this account XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX XXXX : {$390.00}
Product: Debt collection

Harvest Associates is reporting a collection account on my reports that I have been disputing for a while now. 

I sent them a letter requesting for verification of this debt. In return of my dispute they sent a letter stating that the original creditor is XXXX XXXX and that the balance they say I owe is {$2500.00}. 

They have not sent any sufficient documents or proof that this account belongs to me or that XXXX XXXX gave Harvest Associates permission to collect on this debt. I have never even received a letter from XXXX XXXX stating that this account was sold to a collection agency. 

Stating a balance is owed by a creditor but not providing any valid documents is not sufficient proof or validation of debt. I am requesting that this account is deleted from my reports and all documents stating that Harvest Associates has authority to collect on this debt and any valid proof stating that this account surely belongs to me.
Product: Checking or savings account

A deposit of XXXX XXXX dollars ear XX/XX/XXXX, and a deposit on XX/XX/XXXX of XXXX XXXX dollars. The XXXX XXXX are structured to almost invisible accounting detail or as I the money is owed from previous two weeks. With the XXXX XXXX not showing the XXXX XXXX deposit is immediately less than XXXX XXXX without even a payment from debit card or recurring payment. When using the debit card it is customer savy to pay a tip, yet a tip in double form is not easy to recognize. Therefore the balance in checking account does not reflect true balance of deposits and credit payments.
Product: Payday loan, title loan, personal loan, or advance loan

This is my third complain, because they pay XXXX XXXX XXXX company in full with out any question or document, photo, that the work was done in good faith., Goodleap LLC deal with other solar company in know how to process the work before payment is made to the solar company when the work is complete, how did Orbit Energy get by with out giving Goodleap LLC all paper work and got pay in full in Goodleap LLC do not know the cost of my solar panel system? an cost of roof, iam paying to much for what i have on my roof were the guideline follow by Orbit Energy for the cost of my solar system in XX/XX/year>? there alot of question that Goodleap LLC can did answer, but want me to answer those question an feel good about, in contiue to pay on the loan and made repair as well,
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were 7 late payments and 3 late payments with XXXX XXXX XXXX, and 4 late payments with XXXX XXXXXXXX XXXX XXXXXXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please look below view attached proof of the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your Promptness attention to this dispute these late payments and look forward to a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX 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 would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously 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, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX (  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Credit card

Capital One refuses to release the available credit until XX/XX/2024. They say until the payment clears through the bank the payment has cleared and they still refused to release available credit theyre holding {$300.00} of mine as a deposit. My account is at a XXXX balance my bank has verified the payment cleared. My bank app shows that it cleared, Capital One refuses to release those funds. This is in direct violation of their own policy and banking laws. There is no reason for them to hold my funds or available credit for two reasons one I have a deposit with them to my payment to XXXX out the balance has cleared Three Ive used the same bank to make this payment numerous times this needs to be addressed. They need to be fined what theyre doing is hindering me from paying other bills unfortunately I live on credit. This is not OK so now my other bills are gon na be late because I used my last {$380.00} to pay capital one they need to release my available credit now so I dont get assessed late fees on everything else