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

Iam a victim of identity fraud with XXXX has been filling disputes with them for 5 years they never send any results for they dispute with me. I disputed all negative items and things that wasnt mine on my credit report with them a month and half ago and have not received any written response from them about my dispute letter instead they are reporting incorrect balances in my credit report and refusing to update any information that is not correct I spoken to a Supervisior there XX/XX/2023 and was advised they will dispute the items I just in question still no response With Experian they are reporting incorrect balances on my account and instead removing the debt that cant verified they leave the account as closed but dont report any balances I have been requesting proof of validation of debt and they have no provided it to me.
Product: Debt collection

I received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
I knew this debt was owed and attempted to pay it immediately upon moving out of the apartment complex. I was told repeatedly that they did not have a balance for me so I quit perusing it until I received this summons from Wakefield. I immediately called them to try to settle out of court and set up monthly payments. Apx 1 1/2 years later I called to try and settle the remainder of the balance and was informed that they had been applying my payments toward a separate debt that was more than 10 years old. I was then told that my balance on the original debt to the apartment complex had been inflated to over {$XXXX} from the original balance of just over {$1300.00} due to attorney 's fees and interest. I was unaware of the medical debt until 2 days ago when I learned they had been paying on that XXXX instead. I do n't know the debt laws very well but it seems that by attempting to pay the debt down, I should n't be sued. It also seems that the money I give a company for a specific debt should be used for that debt and not for whatever they feel like applying it towards.
Product: Prepaid card

On XXXX XXXX I submitted a dispute for a transaction of XXXX for XXXX and included documentation. They never acknowledged it and then never sent any updates on my dispute. I reached out on XX/XX/year> and even then they said they did not have any information at this time with an update. XX/XX/XXXX I reached out again regarding a some kind of update or provisional credit, anything to which they said my case was closed because they never received documentation. They never reached out to me for anything. I went back in my account and its actually still showing that my complaint has not been resolved or closed so someone is not only giving misinformation but have failed miserably in the dispute process. I also have the messages with each and every inadequate response they have sent to me when I inquired about my dispute on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX  are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there I 've tried to dispute some inquiry with transunion to no avail these inquiry should not be on there they just started showing up and they would no do anything about them there is about XXXX of them the dates are as followed 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/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX please have them take care of this please and thank you for your time
Product: Debt collection

On XX/XX/XXXX XXXX XXXX charged of a debt of {$420000.00}. On XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from Kohn Law now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from Kohn thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from Kohn in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro Kohn states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter XXXX XXXX responds to you, dated XX/XX/XXXX that Kohn Law stops charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX Kohn tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Debt collection

I dont owe them, I dont know what and why they are collecting and reporting on my credit
Product: Debt collection

An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.
Product: Consumer Loan

BANK OF AMERICA OPENED AN ACCOUNT FOR SOMEONE IN MY NAME IN A DIFFERENT PART OF FLORIDA THAT I DO NOT KNOW AND I DID NOT AUTHORIZE. THEIR TERRIBLE SCREENING PROCESS AND FOOLISH GREED ALLOWED THIS TO HAPPEN. NOW THEY WANT ALL MY FINANCIAL INFORMATION TO PROVE IT IS NOT MY ACCOUNT. SIX PHONE CALLS TO THESE XXXX AND IT IS STILL ON MY CREDIT HISTORY. THEY GLADLY DEAL WITH FRAUD IN HOPES OF MAKING MORE MONEY AND ALLOW HONEST AND LAW ABIDING AMERICAN CITIZENS LIVES TO BE RUINED BECAUSE THEIR LACK OF DUE DILIGENCE. MAKING MATTERS WORSE IS THEIR WILLINGNESS TO TAKE XXXX PAYCHECKS AND ALLOW XXXX WITH NO IDENTIFICATION TO OPEN ACCOUNTS. THEY ARE AN IMMORAL AND AMERICA HATING COMPANY OPERATED BY FOOLS AND DESPOTS. I WOULD RATHER HAVE NO BANK AT ALL THAN EVER DO BUSINESS WITH SUCH A CRIMINAL ENTERPRIZE SUCH AS BANK OF AMERICA. WHAT A SHAMELESS COMPANY.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I am not sure if this is the place to report this, but I will start here and see. If this is not the right place who cares about things like this? XXXX? How about we don't allow Experian to be one of the 3 major credit reporting agencies ; their customer service is horrible. I was involved in multiple data breaches the national one, the XXXX XXXX and XXXX. I am starting with fraud alerts on my accounts. I was able to get to a person to help with with XXXX and XXXX within a reasonable amount of time. 

Today is XXXX XX/XX/2024. I have repeatedly tried to get a hold of a person at Experian because I am locked out of my account. I wanted to set a fraud alert to start, but I can not do this if I can't access my account. I think they had an old phone number of mine and there was absolutely no way to get into my account. Their XXXX numbers do not get you to a person, they just hang up on you if you don't select one of their options. None of their options provided me an option for what I needed help with. I was hung up on by their automated system multiple times. I called on the XXXX multiple times. I called today 3 times and finally found a number which put me on hold for XXXX mins. after the first person answered. Then I hung up thinking I had the wrong number. I called back to the same number, as it seemed to be the best option to get a person, and after XXXX mins on hold I got someone who was able to help. This is extremely poor treatment for a customer. Experian is a fairly large company with over XXXX people employed worldwide. How can they provide such poor service with that many people working for them?! Of course why do they care, we have to use them! Why do we have 3 major credit monitoring agencies in the US. How about we just have one and stop making life so stressful for us all! Let 's get rid of Experian as one of them. Thank you = )
Product: Mortgage

i have been requesting payment information a simple payment history which includes only the following so that it will be easy for me to understand. on a monthly basis which includes ; date payment is due date check payment received by wells fargo date wells fargo got paid from my bank with these information i can easily find out where the mistake has occurred. 

i have requested this information several times but they refuse to provide me it.
Product: Credit reporting

XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. The business has a different tax ID then XXXX XXXX, and this debt before purchasing by XXXX XXXX was never on XXXX XXXX 's credit report XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with XXXX , XXXX and has been paying with never a late payment the agreed upon amounts. 

XXXX , XXXX has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather XXXX , XXXX bought the debt. 
When previously submitting this report before against Equifax , they never investigated fully as well as we did n't have the rebuttal letter from XXXX , XXXX that we are submitting This false reporting that the debt is in collections is wrong and it is not delinquent at all with XXXX , XXXX
Product: Credit card or prepaid card

The complaint is against Comenity Bank, now known, renamed as XXXX XXXX. I have a XXXX & XXXX account under Comenity Bank. 

I have had the account since -- XXXX -- XXXX. The issue that I am having is that they have refused to send me a statement via US mail or online. I have been denied access to my online account. The account number has changed, etc. I have called tirelessly regarding access to the account... but to no avail. I no longer have the account number, Thet have refused to give me the account number Funds are being extracted from my account monthly. I no longer have any idea as to how much is owed along with any associated fees and interest. Each time that I have actually communicated with anyone I am passed on from representative to representative. All promises of sending a statement or to links accessing email have become null and void. 

*Note, when i spoke with a representative I was informed that my XXXX & XXXX account would be cancelled upon completion of payment. I have no idea as to what is owed and can not rely on verbal representatives lack of information.
Product: Vehicle loan or lease

I got my car two/three years ago last year I checked to see how much I owed and the total was {$8000.00} out of {$13000.00} paid then I checked the account again a couple months later and the balance was {$10000.00} out of {$13000.00} paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

I pulled my credit reports as I have been incarcerated since XX/XX/XXXX and was just released on XX/XX/XXXX. There are several inaccurate items listed on my reports that should not be there. I have both soft and hard inquiries on my report that I did not do or authorize such as Home Depot, XXXX XXXX, XXXX XXXX, & XXXXXXXX
Product: Mortgage

My home closed on XX/XX/2016. I contacted Loancare ( who the mortgage was through ) at the end of XXXX about any escrow balance. They informed me we had just over {$43000.00} in escrow that was due to us, and that the funds were released XX/XX/2016. We have NOT received any of this money. Yes they have my updated information. I have requested new checks 4 times now and every time I call I get put on hold and they just tell me " the situation has been escalated. '' I have documentation showing how many times I have called, the messages I have left, and the emails I have sent. I hired an attorney to send a certified letter to Loancare, which he did, stating if the funds were not in hand by XX/XX/2016 I was filing a lawsuit. All I got in response was a generic email and NO money. My attorney recommended then that I contact the ILDFPR and they requested I contact you. I have documentation of all of the above and how we have not gotten a refund. Please help me! 

( I would also like to mention that the loan is under XXXX and XXXX. XXXX is my ex husband we owned the house together. When we divorced I went back to my maiden name of XXXX. I have court documentation proving all of this and can provide you with XXXX information if needed, he is aware of the situation and on board with moving forward. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial initially double reported negative information on my reports. I had a lease that I had surrendered and I looked at my credit reports some time after and saw the lease, it was correct. Some late payments but was reported as satisfied and paid in full. Then there was another item from ally stating that I owed XXXX. So I disputed the later being I have no clue what the XXXX account was, what they stated why I owed and their initial response was stating end of lease termination and deleted the account I was aware of and kept the one not belonging to me affecting my credit report with two items that were negative and falsely stating I owed XXXX dollars. My credit was adversely effected by this, lowering my scores. I kept disputing and finally it was removed from one of my reports but remains on others. I have no clue what this debt is. End of lease means nothing to me. I wasnt told at the time of leasing it that I would have a final payment. I was never notified of any charges owed. This has cost me credit and money due it resulting in lower scores and higher rates
Product: Debt collection

This company has XXXX 3 ) accounts on my credit report -- XXXX, XXXX, XXXX believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of these accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX US BKPT CT XXXX XXXX Each times reporting different I am not under bankruptcy Ask them to send me a copy of the information reporting and have yet to do so it's been a bout XXXX I have requested it Shows up on experian XXXX and XXXX Requested how did they obtain the information To verify and send me copies never received a letter or proof