23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV, LLC sent me a notice of debt collection awhile back to the tune of maybe {$1200.00}. I didn't keep it because the debt wasn't real and I assumed it was just a fraud attempt. Thursday last week I was notified of a civil writ in XXXX XXXX, Nebraska against XXXX XXXX, XXXX at my address over the debt. I notified the county official via text that I'm XXXX XXXX, but not XXXX, and I haven't heard anything back from the county. I did however, get two letters from lawyers saying that the suit was from LVNV. From what I can tell, they screwed up the address, made no attempt to verify, and then jumped to a lawsuit. So the actual person being sued hasn't gotten any notice ( by mail, at least ). I'm just submitting this complaint because this negligent company didn't do its due diligence or research and is now potentially screwing up this other person 's credit.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the removal of incorrect accounts from my credit report. Could you please review the documents? Some accounts have reporting errors, with incorrect amounts and dates listed.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and I did not receive the OPT-out notice at the time I created the account under 15 USC 6802. 

Unknown Account Name 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 US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a section 2. It also states a consider reporting agency can not furnish an account without my written permission.

15 USC 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 USC 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: Mortgage

I have been with the XXXX Superior Loan Servicing company since XXXX of XXXX. In XXXX of XXXX, I had missed a payment, however, I did not realize that I had missed it since I had it set up on auto pay. I just received a bill from XXXX Superior Loan Servicing that shows I owe {$2000.00} in late fees for the month of XX/XX/XXXX. I called XXXX Superior Loan Servicing and asked how that could be. They stated that because I haven't paid the XX/XX/XXXX invoice, I have accrued {$2000.00} in late fess from XX/XX/XXXX to present. Now, I have paid every payment from XX/XX/XXXX through present day, but XXXX Superior Loan Servicing feels that they have the right to charge me {$2000.00} in late fees for XXXX missed payment. I've been paying on this loan in total from XXXX Superior Loan Servicing from XX/XX/XXXX to present day. I don't know how I owe {$2000.00} in late fees for missing the month of XX/XX/XXXX. I explained to XXXX Superior Loan Serving that this fee of {$2000.00} is excessive and that it doesn't make sense. My payment is only {$1300.00} How could the late fee be greater than my payment amount. This is usury. I explained how upset I was, and that I felt as though I was being cornered into paying this excessive fee, but he stated that he didn't care and did not want to hear it, and that basically it was " too bad ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Experian to repost anything on my consumer report. Without my consent Experian has committed Identity Thief. There are XXXX different accounts that need to be removed. I have given them XXXX different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by experian, a signed letter from a Notary Public, and a invoice for the XXXX federal violated rights. Each violation made my experian are for {$1000.00} dollars per violation.
Product: Debt collection

I paid of my old XXXX XXXX account on XX/XX/2024. It is still reflecting I owe {$390.00} when it should reflect paid on all credit bureau reports. I've called SELF LENDER to speak with customer care to ask that it is reflected and I was informed that it should take 30 days, which has passed. It is now XX/XX/2024. I am trying to buy a house and need it to reflect accurately. The account starts with XXXX. My name is XXXX XXXX. I have since opened a new account with them that is in good standing. I also looked at my SELF account and it did not reflect the payment history ; it just doesn't show it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was opened on XX/XX/2020. On XX/XX/2020 it was disputed and the Card company updated paid, closed, /never lated. On XX/XX/2020 it was disputed again and the card company stated " The creditor agreed to delete the this account ''. As of XXXX first the have not deleted the account. Ive called them several times to report it as fraud. they have been no help to me.
Product: Debt collection

A week or two prior to leaving my residence of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, I called XXXX XXXX and asked them to terminate my service at the residence on XX/XX/year>. When I paid my last bill, they told me that was my last payment ; however, they sent a bill to collection to Online Information Service for {$81.00}. Now, if you can go back and see my paying history, you will see that every bill I paid to them was paid on time and paid in full so I would not have left owing a bill for just {$81.00}. They mislead me telling me that my account was current and paid in full ; therefore, if this is not removed due misleading of information, I will be taking legal action for violating the FCRA Act for the amount of {$2000.00} if this is not removed off my credit report within 30 days.
Product: Credit card or prepaid card

Two charges ( {$370.00} deposit & {$1400.00} balance ) were placed on my Chase Visa credit card account for a vacation rental through XXXX  on XX/XX/XXXX and XXXX, 2020 for a rental period of XXXX XXXX 2020. The vacation property was advertised as clean and safe. In XX/XX/2020, given the unprecedented circumstances regarding the COVID-19 pandemic, the US CDC issued recommendations for the cleaning and sanitation of hotels/motels/vacation rentals. These standards were deemed the minimal necessary for public safety. Failure to follow such standards was considered unsafe. As such, it is reasonable to expect that these standards were met for the vacation property to be clean and safe as advertised. The merchant was contacted in XX/XX/2020 to obtain confirmation as to the cleaning standards used to confirm that the property, including common areas included in the paid service, were clean and safe. Several attempts to receive such documentation were ignored by the merchant. As such, the service was reasonably considered defective and not-as-described. Multiple attempts to resolve the issue with the merchant were fruitless. 

A dispute was opened with the credit card issuer, Chase, on XX/XX/2020. The dispute was denied in a letter received XX/XX/2020, AFTER the XX/XX/2020 rental period had expired, and as such NO services had been rendered. Additionally, the chargeback dispute resolution letter from Chase ignored the " not-as-described '' reason for the dispute and claimed a cancellation policy which was never in question. 

The claim was re-disputed, now on the grounds that no services were rendered, and, as such, falls under the category of a billing error. Additionally, the merchant continued to decline either a full credit or refund. The second dispute was also denied by Chase in a letter dated XX/XX/2020. 

We are now asserting Claims and Defenses, seeking independent binding arbitration as well as a formal complaint investigated through the CFPB.
Product: Credit reporting or other personal consumer reports

Called and was stated to file complaint with FTC. Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I prepaid a hotel reservation for {$290.00} using my AMEX XXXX credit card through AMEX Travel. Despite this prepayment, the hotel failed to honor it. As a result, I had to spend over two hours over 3 days resolving the issue with AMEX Travel, who had booked the reservation and charged the prepayment. 

Eventually, AMEX Travel and the hotel promised to issue a refund, but it was only for {$260.00}, leaving a {$30.00} discrepancy that was never well explained. Additionally, they assured me the refund would be processed within 5-10 business days but refused to provide any written confirmation of this promise. 

The stay was at XXXX XXXX XXXX XXXX from XXXX XXXX, 2024. The lack of transparency, accountability, and professionalism from both AMEX Travel and the hotel was frustrating and disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, an investigation request letter was sent via certified mail to all credit bureaus to investigate an account to ensure information is complete, accurate and updated. 

All credit bureaus received certified mail no later than XXXX XXXX, 2022. 

It has been more than 30 days and as of date, I am not aware of any written responses from the credit bureaus. If account has been investigated and verified, information is still inaccurate and incomplete, as per my latest credit report dated XXXX/XXXX/2022. 

Inaccuracies as per my latest credit report are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Payment frequency Attached documents include : -Latest credit report dated XX/XX/2022 with inaccuracies highlighted.

-Inves

tigation request letter with 2 forms of ID. -Certified mail stubs, front and back. -Request l
etter to update personal information, also sent with 2 forms of ID.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXXC tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least XXXX addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Product: Student loan

XXXX transitioned from Mohela to XXXX ( XXXX XXXX XXXX  ) incorrectly. Mohela put my loan into SAVE Repayment. Called them in late XXXX XXXX and was told it was an error and would be transitioned to XXXX. Repayment amount for SAVE was {$2.00}. Was told new amount would be communicated after loan transitioned. XXXX website says no amount due until XXXX and Mohela website says loans are in forebearance. When I spoke with Mohela asked them to make sure the loans were not put into forebearance. Prior experience was when called Mohela regarding their errors, they would put the loan in forebearance while they reviewed the case, without my consent. Would have to call back to get the loan out of forebearance. XXXX should be paid off XX/XX/year> and now website states XX/XX/year>. 

When calling Mohela since XXXX, I get circular automatic system and can not connect to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX  / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX  / XX/XX/XXXX XXXX XXXX to XX/XX/XXXX XXXX  / XXXX to XX/XX/XXXX XXXX  / XXXX  Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

This complaint to WELLS FARGO BANK for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Debt collection

Continued calls looking for " XXXX XXXX '' to collect a debt. I have had this phone number for 25 years, and no " XXXX XXXX '' has been at this number in that time. 

After eight calls, I called " XXXX XXXX '' ( XXXX ) XXXX on XX/XX/XXXX. " Miss XXXX '' said that she would remove my number from their calling. I asked for information about " XXXX XXXX '' and she rudely hung up on me. 

After receiving yet another call, I again called " XXXX XXXX '' on XX/XX/XXXX and spoke with " XXXX '' who said that she would remove my number. I asked her if the Attorney General of Texas would be interested in hearing about this case and she rudely hung up on me. 

After receiving another eight calls, on XX/XX/XXXX I called the number on my answering machine ( XXXX ) XXXX which seems to be " XXXX XXXX XXXX '' and spoke to an unidentified representative. I explained that I had been receiving calls for XXXX XXXX, not at this number, and the rep hung up on me mid-sentence. I immediately called back and spoke with " XXXX '' and explained the harassment, and asked her if the Attorney General of Texas would be interested in the case. She sarcastically responded " You mean that we have removed the number from our systems? '' I responded no, that I had been harassed numerous times despite telling them that there is no XXXX XXXX at this number. " XXXX '' hung up on me. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received another three calls. This time the call back number is ( XXXX ) XXXX. I have taken no other action since receiving these calls.
Product: Debt collection

Hello, This claim is prompted by unfair practices performed by Calvalry SPV, LLC. I received a summons from the City Court for XXXX in the State of Louisiana. I responded to the Request For Admissions of Fact stating that I denied the amount they were attempting to collect. Prior to this action I requested in writing full debt VALIDATION from the collection attorney XXXX XXXX, to which I received a few statement pages showing the total balance due. This does not adequately satisfy a request to show how charges were calculated, including interests, fees and associated charges. Since then I received a settlement offer with no specific dollar amount. I called in to discuss the matter again and was told there was no specific amount offered but if I wanted to be considered for acceptance of anything less than the full amount of {$2300.00} I would need to fill out a 'hardship ' form and send in financial documents. During this call I asked again for the documents explaining how this debt was calculated. I was told by the representative at that time that this, along with the hardship form would be sent to me. I received the financial statement/hardship forms but never received the documents explaining how this amount was calculated. Today I called again requesting these documents and told that 'verification ' was sent out to me. I explained that I received the hardship forms but not anything else. I also stated again specifically that I was requesting documentation of transactions and how this amount was calculated. The representative then informed me that I would not be sent this information and it would be presented to me in court. I feel this is a violation of my rights as a consumer to deny me this simple request. Not once have I refused to pay. I have only repeatedly questioned the amount due to prior arrangements I had with the original creditor. This account has been incorrectly reported on my credit reports as well as now entered into public record and Calvalry has yet to show me documentation of the accuracy of the value claimed. In addition, I feel it is also unfair to deny me this information which allows me time to review the documentation prior to the pending court case. Please assist in facilitating me receiving the full list of transactions/statements they are refusing to send.
Product: Credit reporting or other personal consumer reports

I recently applied for a XXXX XXXX credit card. I was offered {$100.00} gift card for doing so. I was asked if I wanted a XXXX XXXX XXXX card with a {$59.00} a year charge. I said no, just a store card. I was turned down! This has NEVER happened to me. I have EXCELLENT credit and have for YEARS!!!!! Equifax advised them that I had " insufficient credit experience ''!!! I have paid off XXXX mortgages. I Have NEVER had a late payment. I do not have any loans. This is ridiculous that their inaccurate report cost me {$100.00}! 

Why was I penalized for NOT having loans and owning my home outright? This is ridiculous. I was so embarrassed and for NO REASON!!! Equifax need to do a better job!! Now my score will lose points because of this inquiry.
Product: Checking or savings account

On XX/XX/2022 I went to regions bank on XXXX XXXX XXXX XXXXXXXX XXXX. I used atm to withdraw XXXX which the machine did not have that amount so I went to another ATM in the same location and when trying to get the XXXX It said Insufficient funds. I went back to the first machine to make sure money had T been dispensed and it had a error symbol. I used a EBT card where I get cash through the government and they have been unable to assist as well as the actual bank. The bank or someone has a extra XXXX that is mine
Product: Debt collection

I Received another attempt ( # 3 ) to secure payment on a medical bill from CMRE Financial Services, XXXX, CA, that is not mine to pay. Identified individual on the statement is not me. The account of the identified individual is XXXX. AlthoughI have the same first name, I have never had the last name, XXXX. A previous collection attempt by this company was labeled on the enveloped Return to sender, addressee unknown and placed in the US mail for return delivery a year ago.Below is the companys address and listed telephone number. 
CRME Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA. XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting

Equifax has improperly shared my credit report even after I have placed fraud alerts on my file. I have several inquiries I did n't authorize and they are refusing to remove.
Product: Credit reporting or other personal consumer reports

My identity was compromise since XXXX I was out of the country for XXXX years upon my return. I find out all my identity was compromised. Multiple account was opened under my name on my credit report. I reported this matter to the law-enforcement agency I received the report from the police department. I also submit a complaint to XXXX XXXX I was advised by the quality report advisor from XXXX to generate and submit my report through FTC. Your time is highly appreciated. Please help me with my concern. My credit is all I have. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.