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

I have lease a vehicle with Kia. After the lease was up I turned my vehicle in and they did not advise me of any additional charges. I went to get a mortgage knowing my credit was excellent, but now was dropped 100 points from KIA financial. I immediately contacted them to pay whatever balance there was because they were reporting it on my credit report. It has been four months, and they have continued to report a delinquent account on my credit, ruining my credit score. I have called them, reported disputes, NUMEROUS TIMES over the past four months and not one of the employees from KIA Finacial have helped at all. I need to report them because nothing is being done no matter how many times I contact them or dispute their reports to the credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been paid in full since XXXX and Mercedes has yet to update my zero balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  and XX/XX/XXXX, my personal information was compromised due to a data breach with XXXX, XXXX and 2 other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX concerning their practices as a third-party debt collector. On XX/XX/year>, I received a letter from this company, which did not clearly disclose its status as a third-party debt collector as required under the Fair Debt Collection Practices Act ( FDCPA ). The letter also failed to include my rights under the FDCPA, as mandated by law. 
On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in compliance with 15 U.S.C. 1692g, which provided them with 30 days to respond.

I requested information such as the amount of the alleged debt, the name of the creditor, evidence of their authority to collect, and additional relevant documentation. 
The debt collector has failed to adequately respond to my request for validation, not providing the necessary documentation or proof as requested. Their failure to comply with my request and provide valid evidence of the alleged debt violates the FDCPA. 
Furthermore, the initial letter and their subsequent actions included unreasonable demands and threats regarding fees and payments, which I believe are attempts to intimidate into paying the alleged debt without proper validation.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$1300.00} ; PORTFOLIO RECOV ASSOC ( original creditor : XXXX XXXX ) XXXX Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX ) XXXX  Balance {$1300.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXXXXXX XXXX ) XXXX  Balance {$870.00} ; PORTFOLIO RECOVERY A ( original creditor : XXXX XXXX XXXX ) XXXX  Balance {$1600.00}
Product: Credit card

I applied for the AMEX XXXX card with a bonus of XXXX points upon spending XXXX within 3 months. I met the spend and was awarded XXXX points by first statement in XXXX. Then in XXXX, my bonus points was reversed.
Product: Credit reporting or other personal consumer reports

Incorrect information on credit reports which has been affected by the XXXX & XXXX or Experian data breach. I am a customer of both.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened XX/XX/ and was closed XX/XX/XXXX. I am getting collection notices from credit control LLC on dates XXXX and XXXX that they can resolve this account for {$250.00}. It can't be claimed if it is closed. Fair collections
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized account listed on my credit report. The details of the account are as follows : Account Number : XXXX Opened Date : XX/XX/year> This account was reported without my written consent, which is a violation of 15 U.S.C. 1681b under the Fair Credit Reporting Act ( FCRA ). I have never authorized this account to be opened or provided consent for my information to be furnished to Experian. 

Despite my dispute with Experian, this account remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/ but between XX/XX/ and XX/XX/, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account XXXX 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: Mortgage

On XX/XX/XXXX, I received correspondence from Mr. Cooper which indicated that I did not meet the terms of my Trial Period Plan for the Loan Modification Program. I am concerned with this notice because I did in fact make the required payments both in XXXX and again in XXXX. 

In XXXX, I requested participation in the Loan Modification Program. My application was accepted and resulted in the requirement of making payments under the Trial Plan Period. I made a total of three payments during that period : XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX. 
After the payments were made, I waited patiently for Mr. Coopers final determination. Approximately 6 months later, I was told that the payments were never made. Therefore, in XXXX, I appealed this decision. My appeal resulted in my reenrollment in the Loan Modification Program. Again, adhering to the requirements, I made a total of five payments : XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XXXX XXXX payment XXXX. XX/XX/XXXX, and XXXX. XX/XX/XXXX The additional payments were made as Mr. Cooper stated they did not receive two of the previous payments. Rather than dispute the issue, I conceded and made additional payments in an effort to move the process forward. 

Since the payments, I have made on-going calls to check the status of the loan modification application, in addition to determining if there were any other payments or actions required by me. I was told by multiple representatives that my application is being reviewed and I should receive correspondence soon. They further stated that payments were not required and can not be accepted by me due to the status of my account. 

Now, almost two years later from the payments I have made, I find myself facing the same circumstances as before. I am not sure how this continues to occur considering payments have been made in accordance to the terms of the modification program. In an effort to support my claims, I have attached bank statements which document all payments made to Mr. Cooper during XXXX and XXXX. 

If possible, I would appreciate a call from a representative as there are several matters that are not clear about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have been trying to work with US Bank since midXXXX to get assistance/some type of modification. I have had my case closed several times due to " missing documentation '' for items that I did indeed submit or missing answers to questions that I did call up and answer. 

This is a terrible process and I have to say that I'm not at all unfamiliar with it. In XXXX I actually worked for a small company that helped people apply for and get mortgage modifications. I have assisted more than 20 individuals with this process and gotten approvals, even on some properties that had foreclosure dates. I do know through this process. 

My complaint is that underwriters and the modification team customer service don't seem to communicate very well. I have submitted documents to start and re-start this process 3 times. This last time, I received 3 separate phones asking me to answer a question about a discretionary bonus. I answered the question all 3 times ( I was told a verbal answer would suffice ) and then was told that nothing additional was needed and the file would be sent to U/W for review. The 2nd and 3rd times I asked why the file had not yet moved on to the final review process with an U/W and was given a flimsy answer about it being flagged in the " wrong system ''. It is unacceptable that I should receive another notice that the review was closed due to " incomplete application '' after I was told that everything was complete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been fraudulent defrauding XXXX XXXX XXXX and other agencies to obtain goods and services. I have reported it to Founders to the fraud department. The lady name is XXXX XXXX. XXXX XXXX bought a XXXX and XXXX financed it. She could not afford it. She filed bankruptcy. The XXXX was later repossessed after the Bankruptcy did not go through. She has filed false police reports and reports with the identitytheft.gov as if she has never own this XXXX and its fraud. She also obtained a loan with Founders. She is in the city of XXXX encouraging people to defraud Founders and she can remove the debt off their credit report after they get the merchandise. This information has been reported to the FBI, Federal Trade Commission. She is filing false police reports to go get another car through the another financial institution with hopes of having good credit. Founders should be able to reinsert debt that was taken off due to pretending. I have attached proof of this lady. It will be forwarded to XXXX XXXX XXXX, XXXX XXXX, and the Bankruptcy Court.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an American Express card and another bing XXXX XXXX  card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : 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: Vehicle loan or lease

This company is NOT abiding by law. I have tried numerous times to fix this issue with the furnishing dept. Typically, the loan amount is posted onto the credit report and principle gets secured every month. Never does a 10 day payoff amount get posted and NEVER does it increase due to interest. They have been increasing every single month, not deducting the principle. We took a loan amount of {$25000.00}. Our statement from XX/XX/XXXX shows a balance of {$24000.00}. Instead, theyre actively INCREASING this amount which by law, is severely incorrect. This is not a revolving account but seems to be treated as such. This is HURTING my credit, increasing my Debt to income ration every month when it should be decreasing.
Product: Debt collection

XXXX XXXX XXXX has called on multiple attempts, asking for a balance. I have no acknowledgment of from a former credit card company that I was told that already disappeared. This is wrong behavior and no proper bussiness.
Product: Mortgage

Please help me with the short sale on my home I did try doing a modification and was turned down since than things have gotten worst with my Daughter at school and in this neighborhood. After my divorce and my wife left I am now a single farther and with all the expenses and my daughter having bad personal problems we can no longer afford to pay for the house or live in the neighborhood. I have tried selling the house but with all the house needs to be livable I dont have the money to make that happen Please help stop the sale so there is time to make this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one credit card are reporting my balance as XXXX and a month payment of XXXX dollars. 

The information is not correct according to my monthly statement. My balance is XXXX and there is no monthly payment due and the payment is zero. 

The balance of XXXX dollars is not due and no statement reflection such reporting. 

I have always paid my bill ahead of time. Capital one credit card is reporting inaccurate information on my credit report after being paid in full with a overpayment of XXXX. 

Due to the overpayment there was a credit on my account of XXXX I don't own a XXXX dollars payment according to my statement and the balance being reported is inaccurate information. 

I have always paid my bill in full according to my payment history with this company. 

There is no balance and no payment is due and the payment is XXXX dollars. Due to being paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to report inaccurate information on my credit file. Remove these items from my credit file. 
Collections : XXXX XXXX XXXX XXXX please remove. never signed a contract or made any agreement. 
XXXX, XXXX, XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
Inaccurate acoounts : XXXX XXXX XXXX XXXX XXXX please remove late payments. never was late XXXX/XXXX XXXX please remove late payment. never was late XXXX XXXX XXXX pay for delete account. please remove XXXX XXXX XXXX XXXX please remove late payments. never was late
Product: Credit reporting or other personal consumer reports

Late payment to XXXX XXXX needs to be removed. The account is in great standing, and I have been extended more credit due to my timely payments and paying the account in full each month.
Product: Debt collection

I have received multiple calls from capio partners, most recently today XX/XX/2020 about a medical debt they claim I owe. They do not have any information on who the company is that they are trying to collect on behalf of, when I asked if they could get me information on the debt they told me to call my insurance company and figure it out and hung up on me. This happened more that 7 times. Every time I would ask if they could get me the information because they are the ones who called me, they said " we already told you to call your insurance company XXXX from 3 years ago ) and that there was nothing else they could do '' and they would hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion, XXXX and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX, XXXX and Experian that they are reporting invalid information on my credit report. They did a dispute BUT did not validate as I requested with signed documents, receipts or any proof that either of these accounts are mine! I have repeatedly requested that they investigate and remove from my report. they have refused XXXX. XXXX XXXX XXXX {$560.00} balance acct XXXX opened on XX/XX/XXXX XXXX. XXXX XXXX XXXX  {$1000.00} balance acct XXXX opened on XX/XX/XXXX My rights are being violated! 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. ''