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

Experian - I have sent over 5 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now and I would like some action taken to get this resolved. 

I already filed a previous CFPB complaint and received a response yesterday ( XX/XX/XXXX ) from Experian stating " your investigation does not appear to be sent by you or to be authorized by you '' I would like to know how Experian came to this conclusions after all the information and attachments I supplied to them telling them the information is incorrect. I attached the certified mail letters and reflected the receipt numbers on the letters as proof. I am very upset that after sending multiple letters by certified mail and filing complaints that Experian would say something like this. They are clearly not looking into my complaint. I even attached a photo ID as proof that I am sending these letters. Yet they have not removed it from my credit report. Please look into this matter and get this resolved. 


XXXX - XX/XX/XXXX Actions Taken by Me : Sent 5 dispute letters to Experian all by Certified Mail Return Receipt to remove inaccurate accounts. The accounts are still reflected on my credit report after telling them the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about XXXX XXXX   XXXX XXXX { XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b XXXX has violated my rights. 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
Also according to 15 U.S.C 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. 
( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE, THAT SUCH INFORMATION MAY BE DISCLOSED TO SUCH THIRD PARTY.

1.PERMISSABLE PURPOSE = WRITTEN INSTRUCTIONS.

2. WITH PERMISSABLE PURPOSE = CONSENT 3. WITHOUT PERMISSABLE PURPOSE = IDENTITY THEFT. 
I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS OR CONSENT TO FURNISH ANYTHING ON MY CREDIT REPORT. 
WHICH MAKES THIS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are the inquiries i didnt authorize and are fraudulent on my credit report XXXX  XXXXXXXX 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  only, XXXX XXXX, XXXXXXXX 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

I signed a contract and took delivery of a XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, La with financing being provided by Ally Financial. I have been disputing the reporting to the credit bureaus based on the fact that I did not receive statements from Ally Financial resulting in late payments. After disputing these results, Ally Financial mailed me a alleged copy of a letter from XX/XX/XXXX stating that the interest rate and all financing totals were wrong on the original contract and that they updated the contract without requiring my signature. My interest rate was changed from 13.04 to 14.99 percent without me ever being away of the change. I never received a letter regarding this change. The original contract was signed by both parties with the original amount and should have been binding. I was being charged higher interest rates for the life of the loan without being notified. This is a breech of contract and should mean the original contract is no longer valid. Ally Financial also indicated in a phone call to me that they sometimes do edit payment reporting for lost statements but would not do this in my case without providing a reason. The only explanation to this is discrimination based on something in my contract or profile that they do not want to explain.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter 12/20/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Product: Debt collection

I went in for consultation before you can even go in side to see the DR you must pay ya co payment and the insurance pay the rest XXXX ... I have excellent credit they sent {$40.00} to collection that I do not owe at all. Collection agency _ C/O MEDRECOVERY SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX TX XXXX Provider XXXX XXXX Patient # XXXX TICKET # XXXX DATE OF SERVICE on statement XX/XX/17
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$700.00} Spring Oaks Capital {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC XXXX I called and asked for copies for all of the documents in the file with my name on it. They told me they could not give me the documents because they couldn't find a file with my information on it. I asked them why is it on my credit report and to immediately take it off of my credit reports. They have not honored any of my requests despite repeated calls for 4 years. 

Opened XXXX XXXX, 2016 ( XXXX yrs, XXXX mos ) There was never any agreement to pay for an account that isn't mine. 
I am not liable for this debt with World Finance I do not have a contract with this Original Grantor or their associated collection agency. They did not provide me with the original contract as I requested. 

Correction to my credit report, I demand this account be removed from my credit report
Product: Vehicle loan or lease

I received an auto loan where the finance charge was 35.96 % but based on the amount Its well above that amount then when I pay my bill the company is only applying XXXX $ - XXXX dollars to my principle over the last 4 years so my amount has not reduced. they have collected over {$10000.00} but only applied XXXX to my principle so that the interest is being applied daily but I was not aware of that then they added a Single life premium and a IUI premium to my contract without my knowledge or they never made me aware of these charges.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered an account with inaccurate information showing two late payments that were actually made on time. I have attached a copy of my report dated ( insert date, month, and year ) for your reference. I request a thorough investigation to provide verifiable proof that these payments were late. If unable to verify, I demand immediate correction to reflect the payments as on time. Thank you for your prompt attention to this matter.
Product: Mortgage

My monthly payments for my mortgage went up by > {$200.00} without a clear explanation from the lender ( Home Point Financial ). The increase is due to the escrow payments. 

When I called them, they could not clearly explain the reason for the increase. 

The Loan to Value on the mortgage is less than 80 %. I have asked them to explain the reason for the increase : they have been unable to explain the increase. I asked them to end Escrow on the mortgage, and to leave me responsible for paying the Taxes and Insurance on the mortgage. They have FAILED to explain under what circumstances a loan may qualify for removal from the escrow system. 

On the XXXX XXXX, when I called again asking to be removed from escrow, they dropped the phone on me. 

They have confused, lied, omitted and ultimately tried to bamboozle me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had consolidated my loans to XXXX. Mid- XX/XX/XXXXI was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.

( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section. 
( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Credit card

I am seeking your assistance to review accounts from companies that are inaccurately reporting late payments. After carefully checking my credit report, I noticed certain accounts showing late payments that should not be there. These accounts should not have any late payment remarks.
Product: Student loan

Went to XXXX and took out a student loan. I just found out they took out XXXX loans on me. How do I fix this. It is not fair for me to try to pay XXXX loans when I only took out XXXX. I 've called the school and Nelnet but no one wants to help me. I called a lawyer and he sent me to you. Please help me.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax over inaccurate reporting of a collection. This bill was paid in full on XX/XX/year>. I even submitted a letter from the original creditor showing this bill was paid and XXXX $ balance. Equifax has refused to remove this inaccurate information on 3 separate dispute occasions. I even called the creditor XXXX XXXX XXXX XXXXs ) and spoke with the manager XXXX XXXX XXXX and she stated that they have notified Equifax on 2 occasions ( XX/XX/year> & XX/XX/year> ) that the bill was paid and no longer outstanding. This inaccurate reporting is negatively impacting my credit score and has cost a home refi loan. I am looking into seeking punitive damages.
Product: Debt collection

Recovery Solutions Group LLC has repeatedly contacted our XXXX XXXX email over a debt the original creditor ( XXXX  ) was well aware of an ongoing dispute over the balance from 2016. The debt of {$2300.00} supposedly owed to XXXX  is a false debt. As this was for an AC unit in which their sales man gave us a discount of that amount. After documents were signed and the AC unit was installed, XXXX claimed the sales agent didn't have the authorization to provide such a discount and that he had been fired. They ( XXXX ) have tried to collect on this amount after they knew very well about what their salesman did. We went back and forth with XXXX  on this issue in 2016. Fast forward to XXXX we received a collection letter from Recovery Solutions Group LLC for the above mentioned amount. 
Recovery Solutions Group LLC has repeatedly violated FDCPA by harassing our business line, and emailed the business email regarding the debt which included harassment of a judgment and tarnished credit. After sending them a Cease & Desist.
Product: Checking or savings account

My bank is n't reporting my account balance to my XXXX app that is linked to my bank. They should be reporting and updating daily.
Product: Student loan

I spoke with a representative and she did an analysis of expenses and quoted me a payment based on information I was asked verbally. She asked that I provide pertinent documented information originally quoted a verbal payment but used an calculation and was told after they received documents requested this could change. After providing information requested that they would send me letter stating payment I signed and dated the documents that came in much lower then the original quoted payment. I called to confirm that the new amount after receiving documents this would be my monthly payment which was about 40 or so less than I agreed signed the paper work called and confirmed receipt and verified payment. XXXX I received a letter dated XXXX and I called because the payment was my verbal payment not the payment agreed upon and my signature in signed documentation. Spoke with a representative name XXXX XXXX who told me that it would take 72 hrs to correct the descepency and my payment would be the verbal about this per XXXX I had an option to pay {$59.00} a month which was never relayed to me as an option. I agreed to pay the debt with my personal banking information and verified that the payment would now be the XXXX XXXX.aFter the signed and dated agreement Im trying after a major job setback to payoff old debt. I have been treated with such disrespect from the XXXX XXXX XXXX and his subordinate on Monday Ive asked him to review may previous call stating the the representative assure me my payment would now be XXXX dollars only two receive a notice by mail it would be the original XXXXafter review the my recorded call in in XXXX XXXX was unfair in his this company asked that you call to verify receipt of email document which was compeleted only to find that they took the original amount after threatening to garnish would be received. They did not stick to the original agreement and assessed monies they now say you have to call and arraigned a new payment but they never told you your original payment could be less than there system had calculated. XXXX also after I caller and that a representative assured me of payment And was told he would review on Monday and it is Thursday after speaking with him he seemed disconnect with an attitude they he even had to address this complaint without resolved they Are taking more out of my account they agreed upon and didnt even try rectify my concerns