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

In XXXX 2017 I was alerted by one of my credit monitoring programs that some new information had been added to my credit reports. When I logged onto the website, it showed that a collection account had been added by a company named XXXX XXXX in the amount of {$1800.00}. I immediately disputed this with all 3 credit buearu 's online and both XXXX and XXXX  deleted the account. Experian claimed they had verified the account. I spoke to customer service and asked them to provide me with documentation on how they verified the account according to FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ". The representative stated that there was no law and they did not have to provide me with anything but he would enter in another dispute. The second dispute came back as being able to verify the account again. I contacted Experian and spoke to a representative and informed her of the situation and she agreed to enter another dispute and gave me the website address to upload documents to prove I paid the debt. I did this and waited. After a week or so, I was sent a letter stating the debt again had been verified and they will not delete the account. After that, I filed a complaint with the BBB and a representative from Experian named XXXX XXXX sent me a letter stating she that the account in question did not show on my credit report and she would be investigating the matter further. I tried contacting XXXX XXXX multiple times and she does not answer the telephone and I have left numerous messages. I have provided proof that this debt was paid in full ( I actually overpaid ) via copy of my grandmother 's credit card statement and Experian refuses to delete this account from my credit report. I have been denied credit based on this and my next step is to file a small claims action in order to get Experian to do the right thing and fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with
Product: Credit reporting 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 u.s.c 1681.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Payday loan, title loan, personal loan, or advance loan

I used XXXX for a purchase made from XXXX XXXX. The original price was {$640.00}. After I completed the process with XXXX, the loan was transferred to XXXX XXXX. I received a call from them today and the representative told me that my account was 30 days past due and that in order to avoid negative credit reporting that I needed to make a payment today. I then asked when was the due date and she told me that the payment was due on XX/XX/24. I then said, " So, the account is not 30 days past due ''? She confirmed that it was not. I asked her what was the payoff amount and it sounded like she came up with some random number. She said that I owed {$1300.00} and overall I owed {$1800.00}! How is this possible? The original email that was sent to me said that interest rate was 0 %, which is deceptive. She then told me that I missed the opportunity to pay the principal balance because I didn't respond to the period of time that was allowed to pay just the principal balance. I then told her that I did not receive any notification via mail, phone, text, or email. She then told me that they are a paperless company. 

First, creditors are not allowed to misrepresent any part of a debt owed. This creditor flat out lied to me at the beginning of the call. They are deceptively charging people three time the amount of their original purchase prices. This is predatory and unfair to consumers. They are not disclosing the " true '' cost of the credit that they are being extended and they are deceptive about the fees associated with that credit. 

After this phone call, I went online to look at the reviews. This company has a history of overcharging people and using deceptive and abusive practices to collect payments. There needs to be an investigation because people are signing up for credit with XXXX and then being switched over to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has multiple opened cases originally dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they have not responded back to me. Fcra states they have 30 days, in extenuating circumstances up to 45 days. Not 60 days at all it's well over 30 days and I have yet to receive any communication regarding my complaint. TransUnion is listed as the source furnisher. TransUnion have received via certified in XX/XX/XXXX XXXX Order Expungement/Restrict Public Access for case. My attorney states, the Court Judgement will sacrifice. They have received ftc affidavit, XXXX Police Report Case # XXXX, XXXX Police Records department to obtain a copy of police report at XXXX XXXX XXXX. 
Letter from bankruptcy Court Clerk Office, Current Copy of my Utility Bill for XX/XX/XXXX, Copy of my Driver 's License, & Social Security Card. All the requirements according to the fcra Rules for Identity Theft. And TransUnion still refuse to remove all the fraudulent inaccurately reporting information from my credit file. This is a violation of my fcra rights.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC, continues to place incorrect information on all of my credit reports, including XXXX, XXXX, XXXX and XXXX. I have never had an account with this company. I have never signed a contract with this company. I have told this company that if they claim that I have signed a contract with LVNV Funding LLC, to send me a copy of the original contract with my original signature. They can't provide that because I have never signed any contracts with LVNV Funding LLC. I want this fraudulent information removed from all of my credit reports and for LVNV Funding LLC to refrain from putting this information on any of my credit reports in the future and I want it removed from all my credit reports within 30 days. They are knowingly trying to adversely affect my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I want this removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  USA , XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX  Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXXt account # XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Dear Sir/Madam, I bought my house in XX/XX/XXXX and moved in fully in XX/XX/XXXX. As of XX/XX/XXXX, I started getting credit card demands for an " XXXX XXXX '' from Capital One. I reported that this person does not live at my house and thought nothing of it, but today I found out that an " XXXX XXXX '' was automatically added to my XXXX driver 's insurance, as he is registered at my address with the XXXX, so I suspect some sort of address fraud. 

I've tried to contact CapitalOne multiple times ( via phone, email, and XXXX message ) to report this and to ask them to stop sending bills to my address, as I'm worried about possible court proceedings being associated the address. CapitalOne did not take my reports seriously and keep sending demands to me house. I would like someone to contact me and look to resolve this issue. 

Kindest Regards, XXXX
Product: Checking or savings account

I was charged a large amount of overdraft fees and after it not being resolved, I closed my account in 2022. I did not receive a settlement regarding this and would like one.
Product: Debt collection

I have received XXXX calls from this company. 3 times I have spoken to them and denied this is my debt. 
XXXX. They are using my maiden name. This has not been my legal name for XXXXXXXX XXXX XXXX. All they have connecting me to this debt is my maiden name. My " name '' is not that unusual. 
XXXX. They have asked if my last XXXX matched who they're looking for. It does not. 
XXXX. They have asked if my birth date matches who they're looking for. It does not. 
XXXX. They have assured me that I will not be bothered again. 
XXXX. They bother me AGAIN.
Product: Mortgage

I am writing to express my concerns about conflicting information I received regarding my mortgage payment. My monthly mortgage payment, as of XX/XX/year>, is {$5600.00} after the addition of escrow for homeowners insurance, as per a statement sent by Truist. 

However, after making my XX/XX/year> payment of {$5300.00} on XX/XX/year>, I received a notice that indicated my payment was {$5600.00} and that I had underpaid by {$0.00}. This is confusing and seems to conflict with the initial notice that stated the change would take effect starting XX/XX/year>. 

When I contacted Truist 's customer service department to clarify the issue, I was informed that the notice was an error and that I should " ignore it. '' While I appreciate the response, it did not provide sufficient clarity or confidence, especially given the importance of accurate financial records and the anxiety caused by escrow-related changes. Additionally, no explanation or apology was given for the error or assurance that the issue would not affect other customers.

As a responsible consumer, I rely on accurate and clear communication from my mortgage provider. I respectfully request the following : 1. A written explanation of why this notice was sent and what caused the discrepancy.

2. Confirmation that my payment record is accurate and that no further issues will arise from this incident.

3. A description of any steps Truist is taking to prevent this issue from affecting me or other customers in the future.

This experience has been time-consuming and frustrating, and I believe its important that any erroneous notices are accompanied by an apology and a plan to resolve the underlying cause of the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent disputes lXXXX XXXX2020 regarding to those inaccurate and unknow accounts on my credit report. but until today I haven't received any response. I'm a victim of Equifax Data breach. I want all those account will REMOVE on my credit report ASAP or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for student loan assistance during the forest fires in California  because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.
Product: Credit card or prepaid card

Elan Financial Services closed my account and called me a XXXX and said they dont have to send me my Secured Cash deposit back to me and further stated that were going to ruin your credit, a XXXX  XXXX  make customer service representative expressed this kind XXXX doing our exchange on the phone. Man Ive never let a man or woman take anything from me, period, the courtroom is where Im in charge. Nobody is in charge of me, calling on you the Consumer Financial Protection Bureau to just forward my concerns along with instructions and directives under Law and from there I will make XXXX money, theres not a XXXX out there thats in charge of me, I Win
Product: Debt collection

JEFFERSON CAPITAL SYSTEM {$240.00} OPENED XX/XX/2023 IS FRAUD.
Product: Student loan

Dear Representative, I 'm writing to dispute the American Education Systems ' ( AES ) entries on my credit report on account XXXX. This account was opened to finance my college education. I received the loan XX/XX/XXXX. After receiving the loan and making all installment payments in full and on-time for the entire history of loan repayment ( over three years XX/XX/XXXX ), my loan suddenly went into default because the loan servicer claimed that I had filed for bankruptcy. I found out later that my mother and co-signer on this loan had filed for bankruptcy without my knowledge and AES had automatically defaulted my loan without providing me with notification or an option to payoff. 

My co-signer 's filing had no bearing on my ability to pay my loan. I could have paid off the loan in full had this been an option. Since my co-signer filed for Chapter XXXX bankruptcy, I should have been given loan payoff as option. Instead, it took months of my own effort to contact AES customer service and National Collegiate Trust ( original lender ) seeking information about what happened with my loan and how I could continue to pay it. 

I eventually found out they sold it to XXXX, which is where I am now sending the monthly installments. To date, I am current on all payments. I am still being reported as having defaulted on my loan payments since XX/XX/XXXX, even though I am continuing to send monthly installments to the new loan servicer. 

AES reports their automatic default action as a " Charge Off '' on my account and this negative information is now affecting my ability to obtain good interest rates on a mortgage. AES customer service has misinformed me that the credit reporting agencies ( XXXX, XXXX, XXXX ) are the only ones who can remove this information. After filing a dispute with these agencies, I am informed by these credit agencies that the deletion of the negative information needs to come from AES. AES has also told me that they can not remove the negative information due to the Fair Credit Reporting Act ( FCRA ) - even though this act is intended to protect consumers from unfair credit reporting, not punish responsible borrowers such as myself. 

I have a proven track record of on-time, paid-in-full monthly installment payments in the years preceding and following the recorded default caused by my mother 's bankruptcy. I have records of all of my payment history available if needed. AES has violated the notification requirements of the FCRA and repeatedly provided me with false or misleading information about my account and their ability to resolve it. AES has turned a good loan bad with their irresponsible charge off of this account and I am being penalized for their actions despite proving myself to be a responsible borrower. 

I request CFPB require AES to immediately remove the negative information from my credit report for account associated with XXXX. 

Thank you.
Product: Credit card

Capital One sent offer for Quick Silver Card. {$500.00} reward for getting the card. They never issued a reward. When I called they made up some story about it's not the same card. I said yes it is. They gave me a story about the small print.
Product: Debt collection

I contacted Midland Funding several times and they confirmed that this account was opened with an alias, not my name but refused to furnish me with the requested information from the original creditor so I can find out how this account was opened. I have disputed with the credit bureaus which state that Midland is verifying this debt but not supplying documentation for this " verification. '' I have requested several times : The identity of original creditor. 
An ORIGINAL copy of the contract between the original creditor and myself ; with my signature. 
The proper and legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ). 
Proof that you are licensed to collect debts in insert name of your state ; A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown XXXX Proof that you the collection agency are in compliance within the statue of limitations for the state of Arizona. 
Verification or copy of any judgment ( if applicable ). 

This company as well as the credit bureaus have refused to supply me with this information and it has affected my credit and ability to obtain needed credit. This company also has obtained verification of identity theft from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way DO YOUR JOB AND DO THE RIGHT THING AND GIVE ME MY MONEY BACK SINCE YOU FAILED TO PROTECT ME!
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results