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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}
Product: Debt collection

ONLINE COLLECTIONS reported their account to my credit files on XX/XX/2020. ONLINE COLLECTIONS received a validation notice from me via priority mail and ONLINE COLLECTIONS did not respond with validation that proves their account belongs to me. I also requested a letter from an authorized representative of ONLINE COLLECTIONS and my request was ignored. 

Recently I mailed all documents to each bureau involved. 

ONLINE COLLECTIONS is reporting to XXXX, XXXX, and XXXX  as Collection Department / Agency / Attorney. 

ONLINE COLLECTIONS is a debt collector for XXXX XXXX and ONLINE COLLECTIONS is not an accredited legitimate business and I dont know they received my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing account number ending in XXXX has furnished private information onto my consumer report XXXX of XXXX. This Person ( definition of person according to FCRA is any company or entity ) does not have the legal right to collect debt in the state I reside, which is XXXX. I am attaching proof of consumer reporting, proof of address, and proof that said person does not have legal right to collect in the state I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid Transunion Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Product: Credit card or prepaid card

Problem is with XXXX XXXX XXXX This is why XXXX is clouding they making a extra money off of laym excuse on the statement closing date XX/XX/2018 My balance was $ XXXX and i made {$1100.00} credit I have been told by the XXXX represanative that when credits made to the account is greater than my balance it wound cover my payment but they charged me {$27.00} late fee anyway Credit cards started to XXXX off the consumer again I think XXXX should be fired from cfpb Represanative are rude robot like unwilling to lessen and they are judge mental and refuse to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize THIS STULENT LOAN. The account is : US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a checking account at a national bank using their online process and was declined due to a credit check with Experian. 

So, I requested a free credit report online from Experian and entered all my info. I received a message that they have an internal error and could not provide report and provided a phone number to call. I called the number during their posted regular business hours and was stuck in an automated response system that had no options about free credit report and could not connect to a live person. I tried both online and calls several times over several days with same outcome. 

I have free credit reports from XXXX and XXXX and there are no credit issues at all. I have a very high credit score. I believe the bank 's online process rejected me because they are unable to get a credit report for me from Experian - as opposed to bad credit. 

Experian is now affecting my ability to do simply open a checking/savings account. I am not trying to get credit. Experian should be regulated and penalized for their incompetence and its impact on people 's lives! So, should XXXX, the bank that relies on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX  even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage .XXXX XXXX  XXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my credit.XXXX cont to do negative reporting XXXX wont forgive me either, XXXX XXXX took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balanced : {$80.00} XXXX XXXX  XXXX Balanced : {$5300.00} XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Checking or savings account

I have a checking account with TD bank since XX/XX/XXXX. At the opening of the account I was given a debit card that was linked to this account. Since opening, the debit card has never been used anywhere and there has been no spending transaction of any sort with this debit card that has appeared on my account. However, there was a fraudulent transaction that happened on my account on XX/XX/XXXX for {$20.00} which I did not know about. As this account was rarely used, I did not notice the fraudulent transaction until XX/XX/XXXX. In addition, this fraudulent transaction caused my balance in the account to drop below the minimum balanced required in the account and started incurring monthly account maintenance fees 4 times. When I contact the bank about the fraudulent transaction, they told me they were not willing to investigate fraud because it was past 60 days and it was my responsibility to monitor my account even in the case the information was leaked by the bank. Also they were not willing refund all the maintenance fees that was charged because the front line staff had limited authority and fraud department could not open a case because it was past 60 days.
Product: Debt collection

My prior complaint regarding an unauthorized XXXX XXXX has transgressed into aggressive collection by a XXXX XXXX XXXX North Star Locators XXXX. My wife as well as my employer have now XXXX received collection type phone calls regarding this erroneous account. I have received a letter from North Star telling me to respond within the next 30 days. This is my official response to them as well as XXXX. I have not intention of contacting either directly as the error is on their side, I have not authorized any account in my name through either institution. Any phone correspondence should henceforth cease. The error has been previously acknowledged by XXXX and the account was closed as a result. I previously requested some form of account validation and have received nothing but continued harassment for the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fourth bitice to the bureau due to inaccurate inquiries that I politely put in writing and constantly asking only option is to file a law suite due to the negligence due to discrepancies inquiries.At issue in the case are inaccurate inquiries or inquiries that do not belong to consumers that appear on consumers credit reports provided by TransUnion. These types of inquiries misrepresent consumers true credit history, unfairly lowering the consumers credit score ( termed hard inquiries ). The complaint notes that failure to remove or address inaccuracies undercuts the healthy functioning of our nations consumer credit system by providing misleading credit history information about consumers to potential creditors and service providers. 

Timeline of Events Leading to the Lawsuit
Product: Vehicle loan or lease

My car loan is 11 days past due. They call multiple times a day, I told them I would be paying it this week when I get paid. A representative named XXXX called my work today and left a message to call them " About my XXXX I am driving around ''
Product: Student loan

Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX
Product: Vehicle loan or lease

I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency.

A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document.

I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX. 

The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit report from Experian was alerted that an account was reported opened under my name the bank name is XXXX XXXX XXXX this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my Experian services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.
Product: Credit card or prepaid card

I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.
Product: Mortgage

The problem I am having is because Ocwen my loan servicer made mistakes on my escrow account. I even talk with the company about the mistake and was told that I did not know what I was talking about. Then in XXXX they told me a mistake was made and they took out a loan to cover it and I now have a extra XXXX monthly on to my mortgage. I 'm XXXX since XXXX. I am on a fixed income XXXX is a lot for me in my budget as I stated in complaint with Illinois XXXX I feel they should eat their mistake when I called and made them aware. As I began to asked question. A lot of home owner have the same problem my mother has Ocwen and had the exact same incident. I would ask the you please look in to this because I very well may lose my home. Please help I 'm missing my left hand in a work accident in XXXX which also damage my XXXX which cause me to have XXXX pump and the XXXX pump malfunction which cased aneurysm. I hate share my story because it looks like I begging but I have worked all my life sometimes 2 jobs to make ends meet with my XXXX frustrating when trying to do the right thing
Product: Debt collection

On XX/XX/year>, and XX/XX/year>, an email was sent to a third party informing the third party of my debt. I contacted Radius Global Solutions on XX/XX/year>, to inform them of this violation. The employee and supervisor that I spoke with were argumentative and did not offer a solution to resolve this situation. I was informed by the supervisor that I would have provided the email address at the time of service, however I did not know the third parties email address in order to provide it. I am aware of how XXXX XXXX  protocol works and that I have been connected to this third party due to similar name and address.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I'm a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am from XXXX. am XXXX XXXX XXXX. was about to start new business on XXXX. I had to buy goods. So I contacted this distributor. I contacted him and I ordered 150 pieces from him. They told me to transfer the money to my bank account. I'll have your goods Shaped to XXXX XXXX. I was very happy That this work is very easy. That's why I transferred the money to his bank account on XX/XX/XXXX. I contacted the distributor. That you have received the money, please shape my goods XXXX warehouse now. The distributor said I will contact you in an hour. But after an hour the distributor did not contact me. And blocked me, then I tried to connect with another XXXX distributor. But when he found out, he blocked me from there too. Then I tried to connect with him from my friend 's XXXX, but he still blocked me. I also e-mailed them and they blocked me. Now they have blocked me from all sides. They cheated me or ran away with my 500 . I now know that it was fake a distributor. They have created a fake website. And make people stupid. Takes payment from people. And then block them.I can't even take any legal action against this distributor as I am out of US. Please recover my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted LexisNexis multiple times to request a copy of full file disclosure, security freeze, permanent opt out, extended fraud alert and consumer statement. While viewing file it was discover that LexisNexis is reporting information in file for XXXX different social security numbers. I have requested that files are separated, updated and filed a dispute. Company has been supplied with a copy of driver license, utility bill, police report and social security number. Requests XXXX plus old and another request was submitted on XX/XX/2022 case no. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Contacted LexisNexis again on XX/XX/2022 spoke to agent XXXX id : XXXX file dispute and request to separate files, XX/XX/2022 XXXX ID : refused, XXXX ID : XXXX and XXXX ID : XXXX who all refused to assist me, stated that I could not be authenticated, refused to provide any and all information : confirmed documents and continued to refuse to honor docs, refused to escalate call to supervisor and disconnected calls.