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

Experian has been sent the CFPB deletion of file document for XXXX XXXX and has ignored ignored it for the 3rd time now. This comes after a full 14 months of disputes they refused to run at FCRA standards. Even when provided with documentation and verbally told over the phone to accurately read documents they have refused to resolve issue. They stated they folllow their own rules which are not the same as FCRA. This is a Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) as they are intentionally reporting an inaccuracy on my report knowing full well the information is not correct. Experian has been email the documents which where signed as received, called over the phone, wnd digitally sent all files. They have still refused to correct issues. Due to Experians negligence I have been unable to progress further in my career as they keep opening disputes that last 30 days and not investigating issues with any urgency or care. When spoken to on the phone there was a level of disrespect I was treated with when asked why the documents Ive sent have not been looked at accurately as they clearly state my personal information and that the file was removed. Experian has maliciously ruined my credit by refusing to investigate at FCRA standards and ignoring any information sent to them and this has been a recurring issues as they have been told on many previous disputes to investigate correctly
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

It started about three years ago, I was contacted by this debt collector, the would call three or 4 times a day. Seven days a week, when I asked them to stop the excessive calling. I was told that they are a bill collector and they don't have to stop calling me. I finally had to threaten to file a phone harassment suit. This is after about 300 calls in a six month period. They stopped calling and have started calling and hanging up on me now.
Product: Credit reporting or other personal consumer reports

I had a delinquent status on my XXXX  credit card. The only reason it went to delinquent was because there was suspicious charges I had not recognized. XXXX has notes on the matter. Yet after disputing several times with Experian my credit score was not fixed.
Product: Credit reporting or other personal consumer reports

CITICARDS CBNA Reported inaccurate information without my consent which is against the law. This account is not mine. 

According to FCRA SECTION 605b it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Here is the the account I am disputing and have been trying to get off my credit. Please remove them immediately. 
In collections XXXX XXXX XXXX XXXX XXXXXXXX  Current balance : {$1000.00} Last reported : 32 days ago XXXX Current balance : {$720.00} Last reported : 18 days ago XXXX Current balance : {$1200.00} Last reported : 13 days ago XXXX Current balance : {$3700.00} Last reported : 30 days ago
Product: Money transfer, virtual currency, or money service

I do monthly transfers from usaa and made a copy of this. I transfer from an external account and the funds are made available immediately. On XX/XX/2020 employees from the bank began XXXX  around and holding the funds that would transfer immediately for up to 6 days on purpose intentionally trying to make me homeless so I could not pay my hotel bills. One of them called me out of my name as well and this let me know it was done on purpose. I want my money that they have on hold send to my account asap. They are playing with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX  is {$10000.00} however, for XXXX  and XXXX  its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was discharged in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as discharged.
Product: Checking or savings account

On XX/XX/2018 I had a charge on my Bank of America Checking account, the transaction details are listed below. 

Transaction Date : XX/XX/2018 Merchant Name : XXXX XXXX XXXX Amount : {$1500.00} Transaction type : Debit Card At first I have contacted the merchant, the merchant realized that this transaction was fraudulent and agreed to refund the transaction. The merchant requested me not to dispute the transaction because it will cost them huge fee and can also get the merchant credit card terminal suspend, they assured me the refund should be in my account in a week or two. 

Since the merchant was very responsive so I waited for two week for the return to process. After two weeks the merchant totally stops communicating with me. So I finally filed a fraud claim with my bank. Claim No. XXXX And a police report was also filed. 

Bank of America, denies the claim saying that since the claim was filed two weeks later and with in those weeks there are other small valid transaction in the account. this was the reason they provide me for the denial. 

I have asked Bank of America, by a fax that can they verify some question with the merchant and provide those answer to the police to aid this investigation but I have not heard from Bank of America yet. The Question are as listed below ( I will copy past a paragraph from the fax that I send ) " I have already faxed a copy of the police report and as well as some other documents. 
I would need more information about the transaction to help the police officers find the criminal. And that information also would help identify this transaction as fraud. 

1. What was the transaction for, service or product? 
2. List of items or services purchased? 
3. Does the merchant have any contract or agreement or any signed document or a signed receipt or signed invoice from the purchaser? 
4. How were the goods or serviced delivered? Is there a tracking information or shipping address? 
5. Can the merchant identify the purchaser, Name, Address, emails, ID, phone call record, shipping address, signatures, etc.? 
6. What attempt did the merchant take in order to verify that the purchaser is the card holder? 
7. What billing and shipping address was used for this purchase? 
8. If there was anything that was signed {$1500.00} is a huge amount for any merchant to process without proper verification, and it is a really huge amount for me to lose as a victim of fraud. I kindly request Bank of America to help the Police Department of XXXX County with all those information ASAP so the officer can perform the investigations. 
I also kindly request Bank of America to re investigate this mater asap on the mater. " I believe everything that I have asked the Bank to verify is very reasonable, but Bank of America doesn't want to see or hear anything, they are just sticking to there story and keeps repeating me the same thing over and over again. 

I really need serious help, please some one help me, please help me from this trap, please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit card or prepaid card

I contacted Citibank about my Citi / AAdvantage Platinum Select World EliteTM MasterCard-XXXX to ask for a forbearance of 2 months per CARES ACT. They denied my request even though my account had never been past due, because after my father died, I asked to be put into a fixed payment plan of {$130.00} a month! Their reason is that if in one plan, no assistance would be made available under CARES ACT for Covid19. I called them at least 20 times and sent faxes to only have my payment differed 2 months during this crisis. They called me 47 times in 14 days and threaten to destroy my credit for late payment, ruin my credit score and possible legal action if I didn't pay. I am only 14 days past due! Citibank is taking advantage of dis fortunate and underprivileged people while only allowing CARES ACT protections for those who don't need it.
Product: Debt collection

Nothing was received by mail from this company. Just receiving frequent phone calls daily and weekly harassing me. I have blocked several numbers and they call from other numbers being disrespectful.
Product: Credit reporting or other personal consumer reports

I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.
Product: Student loan

Kentucky Higher Education garnished my check for a little over $XXXX The last Garnishment (XX/XX/19 payroll date) not only took my balance to $XXXX but KHE now owes me $XXXX for over payment.onXX/XX/XXXX I got a letter from the treasury advising of an offset of $XXXX paid to KHE. now bringing the balance owed to me from KHE to $XXXXonXX/XX/XXXX i find out i am still being garnished and another payment was sent to KHE in the amount of $XXXX   bringing the balanced owed to me from KHE to $XXXXWhen calling the KHE debt recovery department the representatives and supervisors are all rude and argumentative. They threaten to hold my over payment of $XXXX for 30 days and not pay me interest. They won't sent me a paid in full letter for 30 days and refuse to help. they mentioned multiple times through the conversation that "we had to forcibly get payments" which is irrelevant since there is not only a $XXXX  balance but money owed to me and it should not take 30 days to get it back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered these accounts that need to be deleted.
Product: Mortgage

Loan start XX/XX/XXXX. 
XXXX XXXX Another 's hazard insurance was paid from my escrow account. 
XXXX XXXX my Hazard Ins was denied payment, but did get paid but late XXXX XXXX asked for the {$730.00} paid incorrectly out of my acct to be returned. 
1098 tax forms containing incorrect information was sent to me. Loan Depot has refused to send correct balances on new 1098 's. 
XX/XX/XXXX escrow acct analysis showed deficient, so my monthly payment was adjusted from {$790.00} to {$890.00}. I was told that would be corrected and new payment of {$830.00} would be initiated in their system. It was not and got collection call and late fee attached. Payment was made for XXXX and XXXX drafted the next day. 
Have spoken with at least 5-6 experts + other Cust Serv . people that say they can fix all problems. 
Have been told {$730.00} has been returned it just doesn't show in escrow account. 
Late fee has been reversed but I get monthly collection letters. 
Payment history on account still shows property taxes paid in XXXX as if paid in XXXX. 
Never sent correct tax info but told " not to itemize ''. 
Loan Depot does not recognize that if system info is not corrected this will and is ongoing. 
Coming up to month 12 of loan and still have escrow acct, payment history, late fee and tax issues that have not been truly fixed since XX/XX/XXXX. 
I did receive a letter that said my address was incorrect. My favorite correspondence. 
I speak to several people a month, but no one seems to be capable of a full fix. 
Even sent a list so all areas could be addressed and resolved. Not a single item has been fully resolved since XXXX XXXX.
Product: Credit reporting

I was trying to get my credit reports from all XXXX reporting companies via XXXX. When I got to the Equifax site, I was asked a security question that related to how much the required payment was for a specific account and I gave the wrong answer. The problem is that the account happens to be a home equity line of credit, and we had just written another check, so the number changed recently. It seems rather stupid to ask questions like that about accounts where the monthly payment can vary. The real problem is that once you get the security question wrong a XXXX time, you are told to send sensitive documents via the USPS in order to request your report. There should be a way to upload required documents to a secure site. At the very least there should be a phone number to call so that you can request your report via the phone, or speak to a person about why you are having a problem. What would have happened if the account that I was being questioned about happened to be fraudulent? - I would have no clue how to answer the question and then would experience a delay in getting my report, possibly allowing time for more fraudulent accounts to be opened. The XXXX companies should be required to provide a phone number or computer chat capability at the point where they prevent you from accessing your own credit report to prevent delays.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, & Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, & Transunion inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Hello, I trust this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my consumer file. Pursuant to 15 U.S. Code 1681c-2, a consumer agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receipt. Regrettably, it has been over 30 days since I reported this issue to you, and I am concerned that your agency is in violation of this law. 
I have been a victim of identity theft, and I am requesting the immediate removal of the following items from my consumer report : Please see attached Identity theft Report. 
These accounts should not be furnished on my consumer report, as their presence is in violation of 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ), any consumer reporting agency may furnish a consumer report under the consumer to whom it relates. I want to emphasize that I never provided written consent to any consumer reporting agency to report information on my consumer report, which constitutes a violation of my rights as a federally protected consumer. No consent is identity theft. 
As a consumer, I am demanding the immediate deletion of the accounts listed in my attached Identity Theft Report. I expect your agency to take prompt action to rectify this situation in accordance with the law. I have attached documentation supporting my claim for your reference. 
Thank you for your understanding and cooperation in this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} ( not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion.
Product: Checking or savings account

Fraud on my debit card was reported and not resolved. The company maintains that the charge is valid however NO documentation was provided as this was for a rental car. 

In order to rent a car you need a contract and provide a drivers license neither have been shown or provided. 

After filing a complaint company took further adverse action in retaliation.
Product: Consumer Loan

I was a co-signer on a loan that fell behind a few months. The auto loan was opend in XXXX and closed in XXXX. I have repeatedly ask Toyota Financial to remove the loan from my credit report as a courtesy so the late payments would not effect my credit rating. They keep reporting late payments even though the auto loan has been paid in full for almost 2 years. Just recent as XX/XX/XXXX, they reported being late 120 days past due. I have never been late 120 days nor did I open an investigation on this paid loan in recent months. They are providing derogatory information on my credit report that hurts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have XXXX payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Product: Credit reporting or other personal consumer reports

Recently, I learned that XXXX XXXX  XXXX incorrectly include my name and Social Security number on its Death Master File. This error has been corrected with XXXX. 
Upon receipt of a confirmation letter from XXXX, there was information on how to obtain free credit monitoring. I tried to sign up for the monitoring but was informed that Experian has reported on my credit file that I am deceased. 
I have tried calling three different numbers at Experian to speak with a representative about correcting this information and I am not able to speak with a live person. The automated message continually reports that it can not verify my identity but will not allow me to speak with an agent.
Product: Credit reporting or other personal consumer reports

These inquiries do not belong to me, and I have no connection to the creditors mentioned.