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

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX '' every month since XX/XX/2019
Product: Debt collection

Subject : Complaint Against LVNV Funding Unauthorized Credit Reporting Violations Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding regarding their improper credit reporting practices, which have resulted in multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, I had two accounts, ( XXXX ) and ( XXXX ), that were previously deleted from my credit report. However, these accounts were recently re-added without my knowledge or consent, and I was not provided with any notification that they would be reinstated. I want to be clear that I do not recognize these accounts and have never had any dealings with LVNV Funding.

These actions constitute a direct violation of my rights as a consumer under the FCRA. As such, I am formally requesting that LVNV Funding cease and desist all reporting of these accounts and immediately remove them from my credit report.

I am requesting that the CFPB investigate this matter, as LVNV Fundings repeated violations have negatively impacted my credit and financial well-being.

Please take the necessary action to enforce my rights and ensure that LVNV Funding complies with federal regulations. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit card or prepaid card

I booked a car from XXXX XXXX XXXX  through a third party ( XXXX  ), and on the voucher ( terms & conditions ) of the rental it stated on page 1 that the XXXX for tolls was recommended but not mandatory to purchase through the rental company. Most rental companies don't force you to purchase the XXXX however its recommended if you choose to drive on the express way. I always reject that option with rental companies. When I arrived on the day to get my car rental from XXXX XXXX  they informed that the sunpass was mandatory since I was a young driver who would most likely drive on the express way. I told the receptionist ( XXXX ) that I would not be driving on the express way and that the voucher stated on page 1 that the sunpass was optional. She argued that it was now mandatory and that XXXX  ( travel agency ) has not updated their terms and conditions. I told the receptionist that is not my problem and not what I agreed to. I called XXXX to complain. Which was recorded by their system. I also sent them emails. XXXX told me while I was at the rental place to go ahead with the rental and they would reimburse me the difference for the sunpass charge. I have emails showing that communication with them. I also have the agreement from XXXX. XXXX failed to refund me the difference due to the fact that XXXX  lied and stated they gave me the option. Even though I have call logs and emails showing otherwise. I sent all the proof to the bank. The bank rejected my claim and stated that the charge came directly from the rental company and not XXXX. I explained to them that the company gave me the voucher to go to the rental company. The bank would not give me my money back for the XXXX  charge of {$130.00}. XXXX  and XXXX seem to be running a " bait & switch '' scheme on customers. I looked up the company on XXXX and read other reviews by customers with similar experience. These people are scammers. They need to be shut down. But the worst part of it all is that CHASE WILL NOT GIVE ME BACK THE MONEY. I tried to explain to them that XXXX gives customers the reservation ( voucher ) to your email and you go to the rental company with it. They failed to refund the difference of the XXXXscharge. My bank also failed me to give me the money back. This rental company is running a XXXX scam. I have been with chase for years and have a credit card with them as well which was open by the office of the president. After I pay it off I'm switching everything to XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the LexisNexis reporting agency asking them to verify the accuracy of a XXXX  XXXX Bankruptcy listed on my consumer reports. I received a letter back stating that they verified through XXXX XXXX center. I then emailed XXXX, asking do they report any information to third party reporting agencies, in which they responded with They do not contact consumer reporting agencies. I also wrote a letter to the U.S. Bankruptcy Courts asking them do they report any information on a consumers report to and third party consumer reporting agencies ; they responded with they do not report any information to any credit agency. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

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

According to : 15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any 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 have a collection on my credit report being reported from portfolio recovery in which XXXX and XXXX has already deleted but transunion let 's it remains despite the fact that its a unverified account I have sent XXXX different letters to tranunion dispute department about this but its still remain
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} on XX/XX/2019 online, and I have paid {$110.00} every 2 weeks since then. As of now I have paid them {$1000.00} or more, and I still can not get information on what I truly owe. There is no information on the loan online with a balance. I have no way to know how long they will say I owe them.
Product: Student loan

Within a 24 hour span, I will at least 12 calls from Navient or XXXX XXXX XXXX They have taken a step further and mimic numbers that are similar to those in my contacts list. Today, I have had enough and they have actually called someone. DO NOT CALL ANYONE REGARDING SOMETHING THAT IS PRIVATE. THIS SHOWS HOW UNETHICAL YOU ARE. THIS IS TOTALLY UNACCEPTABLE!
Product: Credit reporting or other personal consumer reports

Would you kindly review the information on file for me to ensure that it is accurate and in line with the Fair Credit Reporting Act and Metro 2 compliance standards? I'd like to dispute any errors in the credit report, and respectfully request that they be remedied as soon as possible. I'd like to thank you for your attention to this matter. It is surprising that the credit report I have received does not conform to FCRA and applicable Metro 2 data field formatting standards. In order to avoid further financial consequences, it is important that false accounts be deleted as soon as possible. It is important for me to have a credit report, and I expect only accurate, verified, and compliant data to be documented. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit card

I paid my minimum payment on XX/XX/year> of XXXX. This is what I was told was my minimum payment when I spoke with the representative while making the payment. I did not pay additional fees at that time. The amount that is showing as past due is a late fee. I inquired about the late fee being waived, but the most important thing was for me to pay my minimum payment. 

My payment was accepted. I was told that I could later talk with another department concerning waiving my late fees. 

I should not be reported as a late payment because of a late fee. I will pay any associated late fees to assure that the account is current. However, I did make my minimum payment and it is not fair that I be penalized for a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and unauthorized Please remove immediately : XXXX ( I called XXXX and tried to put in a dispute but nothing ever happened ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) XXXX XXXX ( I never applied for mortgage or gave anyone permissible consent or reason to run my credit for mortgage ) Experian ( I called to dispute the inquiries the agent on the phone hung up on me and was very rude ) ( Went into the Car dealer and salesman said they would run my credit for XXXX lender but they lied and ran my credit more than once without my consent or permission ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( I called XXXX and the guy said he put in a dispute but inquiry is still there ) ( I didn't authorize this inquiry or give anyone permissible purpose or reason to run my credit ). 
XXXX XXXX XXXX ).
Product: Credit card

i was a victim of a data breach back in XXXX  and there have been acct open without my knowledge or consent i have filed disputes that have been denied
Product: Credit reporting or other personal consumer reports

This complaint is in regards to inaccurate accounts that are being reported by Experian. There are 4 different accounts from The Department of EducationXXXX that all have the exact same account number, different open dates, and different balances. The account number is XXXX. One of the accounts states that my monthly payment is {$0.00}, the balance is {$4000.00}, I was never late yet the original balance was {$3500.00}, and the account was opened on XX/XX/XXXX. 

Theyre reporting another account with the same account number mentioned above that has a balance of {$2500.00} that has a XXXX XXXX monthly payment, has never been late yet the original balance is {$1600.00}, and was opened XX/XX/XXXX. 

Theyre reporting another account with the same account number as stated above that has a balance of {$6800.00}, with the monthly payment of {$0.00}, has never been late yet the original balance is {$6000.00}, and the opening date is XXXX XXXX Theyre reporting another account with the same account number as stated above that has a balance of {$6800.00}, a monthly payment of {$0.00}, has never been late yet the original balance is {$4300.00}, and was opened on XX/XX/XXXX. 

This clearly indicates several inaccuracies from the balances, original balances, dates open, monthly payments, and multiple accounts with the exact account number. 

According to 15 usc 1681 all credit reporting should be accurate and fair! 15 usc 1681 ( a ) Accuracy and fairness of credit reporting The congress makes the following findings : ( 1 ) 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. 
( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) it is important that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a matter which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter.
Product: Money transfer, virtual currency, or money service

" Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. " OnXX/XX/XXXXI got a message that my XXXX ( {$99.00} ) was reversed by my bank due to my account not having enough. So okay, that was my fault. But they have options to repaid it. I clicked on XXXX credit card to pay for it. ( I have used it 3 times with no problem on purchase of ETH ) And it 's been exactly 10 days since and my account is still saying. " Payment Pending We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' But credit card are suppose to be instant payment. My three eth purchases were brought immediately. So I do n't understand..It 's been 10 days. I emailed, XXXX, forum, NO response. Update : I received a response on XX/XX/XXXX " XXXX XX/XX/XXXX XXXX Hi there, Im very sorry for the recent transfer difficulty. It looks like our system has been attempting to automatically reconcile an unpaid balance on your account. This happens when your account has withdrawn digital currency that was never successfully paid for. At the moment, a bank transfer issue is preventing us from confirming if this overdraft is resolved. Our engineering team is working to resolve this issue as quickly as possible, and I will get back to you with an update as soon as we have further information on your accounts status. Thank you for your patience as we look into this, and if you have any questions in the meantime please dont hesitate to reply to this email and well be glad to help. '' I have thousands in there and this is insane as I can not access my account! I can not buy or sell my coins. And I can not withdrawn my funds, but I need to sell first. Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card hasn ; t been through?? This is crazy, outrageous, and coinbase is n't replying to me and others in the same boat. Reply to me and fix my account and I will share to XXXX that my account was fix and to not worry. XXXXuse almost everyone is extremely worried right now!!
Desired Settlement : Finish the Job Please help me, either remove the XXXX LTC, or let me paid it via my other coins OR please check my account and see why my instant payment credit card has n't been through?? AND restore my account, allowing me to buy or sell!!!!!!!! Comment : Seriously, it 's crazy..the system is glitched, they do n't know how to fix it. And my coins are still locked that are worth thousands!
Product: Credit card or prepaid card

On XX/XX/XXXX Citi Card charged an auto pay against my checking account in the amount of {$290.00} and previously instructed by myself. Instruction was to pay statement in full. 

On XX/XX/XXXX Citi Card charged to my checking account {$1100.00} which was the balance since the last statement but the XX/XX/XXXX statement had yet to be produced. 
Called Citi Card customer service, XXXX, to which the agent agreed the charge to my checking account was premature and would process a reversal. 

On XX/XX/XXXX called customer service and talked with a Supervisor, XXXX. XXXX advised she would follow up on the reversal which should be completed by Friday XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised she would expedite which should complete by Monday, XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised the reversal was approved on XX/XX/XXXX and would take another several days to credit my checking account. 

Help,
Product: Student loan

I attempted to get my student loan in the forgiveness program with Premier Stundent Loan Center. I have  come to realize that my payments and service charges did not get applied to my FedLoan  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's XXXX yrs old.
Product: Debt collection

I have disputed this collection account with the credit bureau 's and it remains on my credit. Upon investigation of my own, I have found out that they are n't even licensed to collect debt for Florida.
Product: Credit reporting 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 Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$94.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX  Balance Owed : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$6100.00}
Product: Debt collection

Global Lending Services calls me everyday sometime a few times within one day about my auto loan which I am paying every month. They call from a few different numbers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others! This is so frustrating and feels like loan shark level harassment!
Product: Debt collection

A woman called me and told me that there was a judgment against me and that I had to pay some debt for Barclaycard. I did have an account with Barclay card but I settled that with a collections company several years ago. She says shes from a legal group called XXXX XXXX XXXX and sent me an email with a link so that I could accept the judgment that she claims there is against me. She was called almost every day over the last week and has left several messages. She called me from a local number first and then gave me a XXXX  number to call her back at. I did not call back. She had the last four of my social and my old address when she called.
Product: Debt collection

The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX Acct XXXX ( Experian, XXXX  ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct XXXX XXXX Experian , XXXX  , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX XXXX XXXX Acct XXXX ( Experian , XXXX ),  XXXX XXXX Acct XXXX ( Experian , XXXX  ), XXXX XXXX Acct XXXX ( Experian ), XXXX Acct XXXX ( Experian , XXXX , XXXX  ),  XXXX XXXX Acct XXXX ( Experian , XXXX  , XXXX  ), XXXX XXXX XXXX Acct XXXX ( XXXX , XXXX ), XXXX Acct XXXX ( Experian , XXXX  , XXXX ), XXXX, XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Acct XXXX ( Experian , XXXX , XXXX ).
Product: Credit reporting or other personal consumer reports

THIS LETTER ISNT COMING FROM A XXXX XXXX XXXX THIS LETTER IS COMING FROM A HUMAN A MAN IM NOT A ROBOT AND I TAKE MY LIFE VERY SERIOUSLY. I HAVE RECENTLY DISPUTED THE REFERENCES # XXXX & # XXXX XXXX THAT LEXIS NEXIS ARE REPORTING ON MY XXXX, XXXX & XXXX XXXX XXXX XXXX LEXIS NEXIS STATED THEY WERE UNABLE TO IDENTIFY MY IDENTITY IN MY FIRST DISPUTE CLAIMNG MY INFORMATION WAS FRAUDULENT. I HAVE UPDATED MY INFORMATION WITH LEXIS NEXIS BY MAILING MY IDENTIFICATION ( DRIVER LISCENSE ) AND ( PROOF OF ADDRESS ).

I ALSO HAVE A RECORDED PHONE CONVERSATION WITH ONE OF YOUR AGENTS. OK LETS GET TO THE MATTER AT HAND. THE ADDRESS THAT WAS FILED ON MY BANKRUPTCY WAS XXXX XXXX XXXX XXXX XXXX, GA XXXX. MY CURRENT ADDRESS IS THE ABOVE ADDRESS UNDER MY GOD GIVEN NAME. LEXIS NEXIS CLAIMED THAT I AM DISPUTING THAT THE BANKRUPTCY WASNT MINES THATS NOT TRUE. WHAT I AM DISPUTING IS THE FILING OF MY BANKRUPTCY ON MY 3 CREDIT REPORT WITHOUT MY AUTHORIZATION. YOU STOLED MY DATA, MY PUBLIC INFORMATION, AND PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT ACCORDANCE WITH 15 USC 1681a ( 2 ) AND PLACE IT ON YOUR PLATFORM. I HAVE NO ACKNOWLEDEMENT OF YOUR CORPORATION AND NO CONTRACTS, NO WET SIGNATURES ON ANY CONTRACTS. I DONT HAVE ANY DEBTS, FINANCIAL STATESMENT OR PROMISSORY NOTES WITH YOU COMPANY I HAVE ALSO PLACE A FREEZE ON MY LEXIS NEXIS ACCOUNT SO WHY ARE YOU CONTINUOSLY UPDATING THESE REFERENCES. SUCH AS COURT RECORDS OR ANY AND ALL PUBLIC RECORDS ON MY CONSUMER REPORTS!!!! THIS IS CLEAR VIOLATION TO XXXX COMPLIANCE! IM DISPUTING THIS ITEMS AGAIN! PLEASE REMOVE THE FOLLOWING REFERENCES ABOVE FROM MY XXXX, XXXX, AND XXXX XXXX REPORTS IMMEDIATELY. 

SINCERELY, XXXX XXXX XXXX XXXX