23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus XXXX, XXXX, and Equifax on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.
Product: Debt collection

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 
I NEVER had an account with this company.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description of Issue I am writing to request the removal of an inaccurately reported closed account from my credit reports. This account, a line of credit with Upgrade Inc, is being reported inconsistently and inaccurately across the three major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specific Issues with the Closed Account 1. Inconsistent Reporting of Account Status : - XXXX reports the account as closed with a 90-day delinquency. 
- XXXX reports the account as closed with no delinquency. 
- XXXX reports the account as charged off. 

2. Inaccurate Closing Date : - XXXX reports a closing date of XX/XX/year>. 
- XXXX and XXXX do not report a closing date. 

3. Inconsistent Balance Reporting : - XXXX and XXXX report a {$0.00} balance. 
- XXXX does not report a balance. 

4. Inconsistent Delinquency Reporting : - XXXX reports 30, 60, and 90 days late payments in XXXX, XXXX, and XX/XX/year>. 
- XXXX reports similar delinquencies but for different months. 
- XXXX reports no delinquencies. 

FCRA Violations These inconsistencies appear to violate several FCRA provisions : 1. Section 623 ( a ) ( 1 ) ( A ) : Furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate.

2. Section 623 ( a ) ( 1 ) ( B ) : Failure to correct and update information.

3. Section 623 ( a ) ( 2 ) : Failure to notify consumer reporting agencies of account closure.

Impact of These Inaccuracies This inaccurately reported closed account is negatively impacting my credit score and financial standing. The inconsistencies across bureaus are particularly confusing and potentially damaging when I apply for credit.
Product: Debt collection

I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/XXXX in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card or prepaid card

This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. 

On XX/XX/2020, USAA informed me that they will refuse to refund {$380.00} from XXXX XXXX ( XXXX  ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other is for USAA members/consumers as myself by taking my money to use it as collateral for additional financing and warrants. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX.
Product: Debt collection

On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that LVNV FUNDING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$850.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion via XXXX XXXXXXXX XXXX XXXX has my Credit Score XXXX Points less than whomever XXXX XXXX XXXXXXXX uses. The reason, according to their " Fix '' Suggestions is that I do not have ANY Mortgage History. I had Mortgages on various properties from XXXX until I paid off my last Mortgage in XXXX. I have lived " Debt Free '' since then. Like many Seniors that I know, ( I am XXXX ) I charge many regular expenses on a Credit Card that offers Cash Back, Then, pay it off on the day before the due date every month. I charge something on my " oldest '' Credit Cards about twice a year to keep them active. Every month ; ALL OUTSTANDING BALANCES ARE PAID. 
While my TransUnion Credit Rating is Excellent ; I still believe that they should take age into consideration, as many Seniors I know operate this way. If we own our homes and pay all our debts every month ; do we deserve to be punished for it?
Product: Debt collection

In XXXX or XXXX of this year I attempted to obtain a HELOC through XXXX XXXX XXXX. During that process, I was told that my credit score was too low to qualify for a loan. I asked what the reasoning was and they explained that there was a recent delinquent account on my credit that I was unfamiliar with. I asked the representative for a copy of my credit report which was denied. He explained that the creditor was XXXX and it was related to a travel/airline loan which I never applied for or obtained. At the beginning of XXXX I received a letter from a debt collector called " True Accord '', the letter is dated XX/XX/2023 and says I have an outstanding balance of {$3200.00} - which is approximately the amount that I was told that was being indicated as unpaid on my credit report. The " True Accord '' account number is : XXXX. As of today XX/XX/2023 I have filed a police report to document this identity theft. The officer who took the report was XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the report number is : XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- Oscar verification methods. 

I notice there is a very serious error in reporting. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are many months missing data. There are also multiple charge offs for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible Specifically on the Equifax report, I Don't recognize account ending in XXXX on the report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities.
Product: Debt collection

I recently received a letter from XXXX XXXX stating that my account has been sold to Crown Asset Management , LLC. I am disputing the validity of this debt and requesting verification, as I do not believe the information provided is accurate. I am also requesting that all communication cease until proper validation is provided.
Product: Credit card or prepaid card

On XXXX XXXX I was charged {$4000.00} for a treatment for my wifes XXXX XXXX. The treatment did not work and the doctor has moved to another state so it is impossible to rectify this with the merchant. Basically we were charged for something we did not receive so the problem is with the quality of the goods and services which is covered under the special rule for credit card purchases. Care Credits chat disagreed with this and directed me to complete the attached form with the admonition that not all charges can be disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in an ongoing dispute with Equifax over the past 12 months. They have have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information. I've attached a copy of page 2 that I sent them on several occasions.
Product: Credit reporting or other personal consumer reports

I saw inaccurate accounts from my credit report this afternoon so please check the documents I've sent.
Product: Consumer Loan

Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!
Product: Debt collection

On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting a formal dispute regarding an account reported on my credit report by Harris & Harris , Ltd . I am deeply concerned about this reporting and believe it violates my rights under the Fair Credit Reporting Act ( FCRA ).

I noticed an account reported by Harris & Harris , Ltd on my credit report. The details are as follows : Original Creditor : Harris & Harris , Ltd Account Status : Open Type : Open Balance Balance : {$220.00} Date Opened : XX/XX/year> ( 2 months ago ) I did not authorize this entity to report any account under my name, nor do I have a contractual relationship with them that would provide a permissible purpose under the FCRA ( 15 U.S.C. 1681b ).

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract containing my signature. They have failed to provide any documentation to validate their reporting.

Additionally, I have identified two violations of my rights under the FCRA : 1.Violation of FCRA 1681b : Harris & Harris , Ltd has failed to demonstrate a permissible purpose to access or report information on my credit file.

2.Violation of FCRA 1681i : By not validating their claim after my dispute, they are in violation of their obligation to investigate and provide proof of the accuracy of their reporting. 

Reporting an account without authorization and failing to validate it after a dispute is a clear violation of the law.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Consumer Address ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2400.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$680.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$59.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.