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

i have been disputing the following accounts for months and yet they all still appear on my credit report. i have mailed in proof, highlighted the errors and yet they keep coming back as verified accurate. EQUIFAX has violated 15 U.S. Code 1681n and 15 U.S. Code 1681o for CONTINUING TO ALLOW THESE CREDITORS TO REPORT INACCURATE AND INCOMPLETE UNVERIFIED INFORMATION ON MY CREDIT REPORT. 


XXXX XXXX Account Number XXXX XXXX HAS INCOMPLETE PAYMENT HISTORY. EQUIFAX IS REPORTING THAT I WAS LATE FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THE PAYMENT HISTORY IS INCOMPLETE AND DOES NOT REFLECT HOW MUCH WAS PAST DUE. I'VE ASKED EQUIFAX TO VALIDATE THIS INFO BECAUSE IT'S INCOMPLETE OR UPDATE THOSE DATES TO CURRENT ON TIME AND THEY HAVE FAILED TO DO SO. 

XXXX XXXX XXXX XXXX XXXX  Account Number xxxxxxxxxxxx XXXX THE PAYMENT HISTORY FROM XXXX TO XXXX IS INCOMPLETE AND REPORTING NO DATA ( FCRA VIOLATION ). DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX I ASKED EQUIFAX TO SEND ME VALIDATION OF ME BEING LATE AND THE ACTUAL AMOUNT FOR THESE DATES : XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT THEY FAILED TO DO SO. PLEASE UPDATE TO PAID ON TIME AND CURRENT OR DELETE THE ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX  Account Number XXXX XXXX XXXX INCORRECT ACCOUNT NUMBER AND INCOMPLETE PAYMENT HISTORY PER MY CREDIT REPORT PULLED FROM XXXX. DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX Account Number XXXX XXXX THIS ACCOUNT IS REPORTING FALSE AND INACCURATE PAYMENT HISTORY ON MY CREDIT REPORT. I NEVER AGREED TO " TERMS '' OR ANY CONTRACT WITH THIS COLLECTION COMPANY. ALSO EQUIFAX IS REPORTING THIS ACCOUNT UNDER THE " CLOSED ACCOUNT SECTION '' YET THE ACCOUNT STATUS IS FALSELY REPORTING THIS ACCOUNT AS A " OPEN ACCOUNT ''. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from Experian that an inquiry on my credit report was ran through XXXX in the state of Ohio. I have no connection or relation or live in the state of Ohio. I filed a dispute with Experian and had a fraud alert placed on my account. I was advised to submit this next action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

T

here's 4 collections on my XXXX  Credit Report from Portfolio Recovery Associates I requested proof of those 4 accounts none was sent. I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however XXXX  is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to cash a check at XXXX and it was declined. I was given minimal information. I have never written checks at this store in over 15 years. I can't speak to anyone at the company. I called the told free number to speak with someone, they could not give men any information. So I ask to speak to a Manger, was place oh hold for over 10 mins, then the called ended No one could tell me why the check was declined
Product: Credit reporting or other personal consumer reports

Have consistently asked for debt validation XXXX responds validated but does not send information what was validated and how. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these have been over 7 years deleted on credit file and re inserted with new dates. This has been done to all XXXX credit companies
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$890.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been working with Portfolio Recovery for sometime now in trying to resolve a debt from a company named XXXX who had charged an amount under my identity. This debt was a result of identity theft and as a result the case was disputed and dismissed in my favor and the garnishment was to be released. I was informed that the funds that had already been garnished was going to return led back to me and the account would closed. In my communication with Portfolio Recovery they have been unprofessional in handling this manner and have not resolved my concern in stoping my employer from garnishing my wages despite them already informing me that the garnishment has been released. Every time I try to make contact with Portfolio Recovery and their representatives including their team of supervisors, they do not know how to resolve this issue stating they would follow up and never do. Upon making contact with the several times, their interaction with me has been unprofessional such as laughing while on the phone with me, load background noise that sounds like theyre at home with friends in the background and they are very dismissive regarding this issue. I last made contact with them today ( XX/XX/2024 ) and I was on hold for almost two hours to speak to a supervisor. The representative informed me that the supervisor had to walk over to her to speak to me which never happened. I had to hang up because it seemed as if they are doing this purposely in not trying to resolve this concern to stop the garnishment of my wage for several months now. They have not provided me or my employer with any information to end this garnishment and have yet to refund me the amount that was wrongly in debt under my name. Every other time I had made contact with this unprofessional financial company, the response to my inquiry is different than the last, which makes me think these are not professional employees resolving this serious situation or lack training. It is not fair to myself that I cant reach a single individual including a supervisor in this company who can assist me and continue to say anything to rush me off the phone. The company has not done anything as of today to resolve my complaint nor to provide me with any valuable information to follow up on as they report they dont know whats going on. They report there is no one higher up other than the supervisors that I can speak to which is concerning. The supervisors I have last spoken to are XXXX XXXX and XXXX XXXX. They also report that they dont know who would refund me the funds that they have garnished. How does a financial company collecting a debt not have this basic information?
Product: Mortgage

First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work. 
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc . 
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX
Product: Mortgage

in 2014 the lenders of my morgage changed hands from GMAC to OCWEN loan service. at that time my payments were XXXX as of today they are XXXX in XXXX XXXX 2014 they informed that they have decativated my account while changing from GMAC to OCWEN XXXX i have a strong feeling that by talking to insurance agents form XXXX that they have put a XXXX insurance policy that i have never authorized. i have been trying for the past 3 years to get them to drop this insurance policy and lower my payments but have not had any sucess. i have contacted XXXX to get help filling out the paper work. since i am on a fixed income of less than XXXX a month this has put me in a finicial bind. i have called repeatly to get answers all they are telling me is that they require me to pay this extra insurance that only benifits OCWEN. i have homeowners insursance that i have had for 10 years. never had a claim never been a lasp this insurance is through escrow. this is the policy has been approved by company that is all i need to cover my home. i would i welcome any help you can give me or i will lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in XXXX, XXXX, and found a collection account ( account number is XXXX ) that I was unaware of, as no notice had ever been sent. When I contacted the company, I asked on XXXX separate occasions for documentation supporting the amount they claimed was owed. ( I did not dispute the validity of the debt, just the amount. ) Both times I received a billing statement from the original creditor, XXXX, but never any itemized information, nor the original credit application. Finally, I agreed to pay the amount in full, if they would remove the item from my credit reports. They agreed, and in XXXX, XXXX, I paid the account balance in full and was told that the item would be removed from my credit report within XXXX business days. It is now almost XXXX, the collection account is still showing with all three credit reporting agencies, and I have disputed it multiple times with each agency, and it is still being reported as accurate. Recently, I wrote to each agency demanding documentation supporting this being on my file, pursuant to section 609 [ 15 U.S.C 1681g ], and it was treated by each as a dispute, with the documentation never provided. ( These are separate  complaints. ) I feel the company has both a legal and ethical obligation to remove this account from my files with all three credit reporting agencies. Their failure to do so will leave me no choice but to include them in future complaints to my State 's Attorney General concerning this, and other matters with the credit reporting agencies, should the CFPB fail to enforce the FCRA.
Product: Student loan

Loan interest percentage rate increased during in-school repayment term because I was dis-enrolled in autopayment ( due to no payment needed during school enrollment ). I 'm still paying interest and principle payments but my interest rate has increased dramatically because I do n't have the option of being auto-debited for some of my loans.
Product: Credit card

Barclays US Credit Card. They stated that the interest rate offer that I signed up for only applied to transfers. I re-looked up the offer that I had signed up for around XX/XX/XXXX and it is not clear to me that the offer only applied to transfers. 

Offer states : 0 % Promo APR 18.74 % variable APR after XX/XX/XXXX 4 % Promo Balance Transfer Fee ( {$5.00} minimum ) 0 % APR until XX/XX/XXXX, after that 18.74 % variable 4 % Balance Transfer Fee ( {$5.00} minimum/no maximum ) Transaction must post to your account by XX/XX/XXXX Offer expires in 25 days
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Equifax is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX
Product: Mortgage

Our loan was assumed by Freedom Mortgage and our first payment was XX/XX/XXXX. We made the payments as usual and then we started receiving letters from them, stating that we never made the XXXX payment. We checked with our bank and the bank said yes that we made the payment and gave us a reference number. 

I called freedom mortgage and told them what our bank had said. They requested that we send them that statement to their webpage. Every time I tried to log into their website it would come up on my screen with error code 403 forbidden. On this phone call the customer service agent told me that my XXXX and XXXX payments were rejected. I checked back with my bank and the funds that I used to pay my mortgage were never returned. To this day I still havent received any money from them, for the rejected payments. 

Its XX/XX/XXXX, and I made another call to Freedom Mortgage. The agent told me that because I cant log into their website, I would need to mail it to them. I have a problem with this because, I have to pay for sending the information from my bank. Sending it by mail, I would have to pay signature verification and priority mail. Its not my problem that they cant verify the payment. I asked them to send me an envelope so that I could send it to them and she said no, we dont do that. At the end of the call, she made a reference about the conversation we had and said that I refused to send them the information they requested. Absolutely false.

One other issue is, they said they were going to report me to the credit agency for nonpayment.
Product: Debt collection

ONCE AGAIN XXXX XXXX IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP ON MY CREDIT REPORT.
Product: Debt collection

I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted major issues with the platform. Despite using Zelle frequently and reporting discrepancies in my transactions, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. 

The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to abuse the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the safety and fairness of the platform for its users such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting this account inaccurately and fraudulently, I've tried to dispute this many times to no avail. They will update the account and then a few months later report the account past due months after it was closed. 

Credit Card, Late Payment XXXX XXXX  XXXX, this account was closed and paid in full & never late. Ive attached copies of my bank statements to prove that a payment in XXXX and XXXX was made to this company. Ive also attached many examples of other times they have fraudulently and inaccurately reported this account past due and late months after it was closed with a XXXX  balance. Ive attached the debt validation letter I sent them two months ago. Ive included two letters they sent me back regarding it stating that they would remove this account from all three credit reporting companies. Ive enclosed a copy of my last dispute. Im requesting again that this account be removed from my credit file as this company is notorious for reporting this account fraudulently and inaccurately. I've included bank statements for both XXXX and XXXX of 2020 to prove payments were sent to them. This company is reporting on my XXXX file that the account was Charged off. Transunion is reporting it 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( American Honda Financial ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}