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

I have requested a verification with Experian multiple times of the reporting of a chapter XXXX bankruptcy ( Chapter XXXX Bankruptcy # XXXX ). They have reported that they have conducted an investigation which left the item unchanged. 
Experian is reporting that the item was filed XX/XX/XXXX. Also show that it was discharged in XX/XX/XXXX. 

I have concluded that this item isn't mine and that this item is being reported inaccurately. First Chapter XXXX filing are discharged generally within 60 to 90 days after first set meeting of debtors. Within 21 to 40 days there needs to be a meeting of the debtor and creditors. 

I list these items which first are in conflict with what Experian is reporting on my credit file. If there is an investigation conducted this should be corrected that the item was either filed XX/XX/XXXX which indicates that it being discharged is inaccurate due to the law for Chapter XXXX filings, are that the item was filed in XX/XX/XXXX with no indication of when the item was discharged. 

They also claim in verifying the record that they contacted XXXX XXXX ( from a previous request for verification ) which contacted XXXX XXXX and XXXX which both indicated that my credit file was frozen from a previous identity thief attempt. And that Experian would need my permission to access my credit file with both vendors. I have not given any such permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found inaccurate items that did not belong to me. Creditor : XXXX XXXX, Account # : XXXX, Creditor : XXXX XXXX Account # XXXX. Creditor : XXXX XXXX Acct # : XXXX. I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debts and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested, then I would like to have these items permanently taken off of my credit report immediately ( per my Rights under the Fair Reporting Act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$75000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX XXXXXXXX Balance : {$5100.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2018 to XXXX  exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I looked at my FICO score on my XXXX accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between XXXX and XXXX, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called XXXX XXXX. After several minutes ( 23 actually ) to get through the hold, I was told " that was Experian, not us '' and I'd have to call Experian. XXXX did connect me with a team to file a complaint against Experian. which took up hours of my day. So I call Experian and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is XXXX XXXX, not us ''. XXXX-esque. When I explained to her that I ran my Experian report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't Experian PRODUCE the information? ) and XXXX XXXX XXXX was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from XXXX XXXX. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both XXXX XXXX and Experian what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting

Please be advised this was my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation, Equifax stated in writing that they " verified '' that these items are being " reported correctly ''? Who verified these accounts? 
Equifax have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - Equifax are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear, I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX
Product: Debt collection

Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

i am attaching the progressive insurance identification card, Effective date and Expiration date. 
And XXXX XXXX identification card Effective Date. 

i asked CCS to give me the exact date of the call i made to cancel my progressive car insurance, and they told " we don't have the exact date ''.
Product: Credit card

I had a XXXX XXXX and XXXX XXXX XXXX  Credit card last year, everything was going fine until they closed my account. I had just made XXXX XXXX dollar payment on the XXXX XXXX and XXXX XXXX dollars payment on the XXXX  credit card. I am puzzled on why? I did Indorse my bill statement or XXXX and XXXX  so they can credit my account as being paid. I don't think they liked that method of payment but without lawful money this is the only way to pay off debt.
Product: Debt collection

I have tried to make payments that are suitable for me. However, Medicredit Inc would not help me with affordable payments. I am a single mother of XXXX and making payments that they require is hard for me. This company didn't give me the opportunity to make affordable small payments. I attempted to make payments. However, was sent to the Credit Bureau because it didn't fit the amount they wanted me to pay. 

Medicredit did not provide a written statement that includes an UNKNOWN debt of {$2900.00}
Product: Debt collection

I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX XXXX that was reading an XXXX on my XXXX XX/XX/XXXX. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX University, and it was closed XX/XX/2017. However, upon speaking with XXXX University 's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Product: Checking or savings account

An account was opened in my name. I received an email that the account was opened and a debit card was being mailed to the address of my last residence. I signed into the account and froze transfers. I called Chime to try to close the account but was not able to because I do not have the debit card number. I then tried to message in the app, which is how they recommend closing an account, but they said they did not have the tools to help and I needed to email support. I would prefer not to send personal information ( SSN, full name ) in the email to support, so have not done that.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Amount : {$940.00} Dear LVNV Funding LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone.

Written correspondence sent to my home or email address.

Any form of communication with third parties, including my employer or family members, regarding this matter.

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue.

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

Hi, I'm in the loan forgiveness program and my student loans are managed through XXXX. I received a letter on XX/XX/2018 stating my new monthly payment was recalculated for {$450.00}, but on my billing statement it stated I owed : On XX/XX/2018- $ {$230.00} On XX/XX/2018- {$210.00} On XX/XX/2018- $ {$210.00} The XX/XX/2018 letter stated : " Since you are enrolled in Direct Debit, we will automatically extract your monthly payment amount totaling {$450.00}. 

On my billing statements it states : " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you requested. '' I never requested to pay an additional amount. I've been paying {$450.00}. 

I recently had my payments recalculated because I was having troubles making payments. I have all my billing statements and related letters. 

Thank you for your help and happy holidays! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX   XXXX {$48.00} XXXX XXXX {$960.00} XXXX   XXXX {$1400.00} XXXX XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have already disputed the initial letter that I received from this debt collector and already sent my obtained sources of legit source of documentations such as my FTC Identity Theft Report, Police Report with additional FBI Victim letter in the mail to their office. The XXXX XXXX XXXX bank knew this from the very beginning since I reported to them right away about this coercion loan induced by the fraudster for me to do under my name. ALL the loan funds were ended up to the fraudster 's wallet. Two police officers went to my place when I reported this incident and I submitted copies of all the evidences that I have since all the instructions from the fraudster were all in text messaging. Then, the FBI agent went to my local police station where I reported my unfortunate situation that I had been to in order for him to collect all the evidences in -- person that I I submitted to the two police officers. 

Please STOP sending me repetitive letters to collect debt over and over, just to harass me. I have a lot of pain and sufferings already since last year that I had been scammed big-time due to both heavy fraud and identity theft. Please show me with some dignity and respect, at least.
Product: Credit reporting or other personal consumer reports

Equifax has failed to remove fraud charges on my account made by someone on my XXXX XXXX XXXX. XXXX XXXX had already verified the charges were fraud both other agences removed the charges weeks ago. I tis becuase of Equifax letting my identity get stolen htese fraud charges were made.They are difficult to get in touch wiht many hours waiting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a collection on my report with no account number and no name. 
this is not my account and I am unable to verify due to no inforamtion here is what report states : XXXX XX/XX/2017 {$1800.00} None provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for validation of the account and they did not provide information to verify that account was mine. They only updated my report to say that account was valid with no proof of such claims. Account does not apply to me as I never attended said school.
Product: Mortgage

HELOC was first financed by Countrywide Bank. HELOC was transferred to Bank of America. The last payment paid I made on this loan was XX/XX/XXXX. In XX/XX/XXXX Bank of America began foreclosure proceedings on my house due to this debt. During that time I was in XXXX XXXX recovering from XXXX XXXX. My mental abilities were chalk during this time. When I returned home and learned of these foreclosure actions I contacted Bank of America to avoid losing my home. This debt was discharged in my bankruptcy XXXX. They put me on a COVID Forbearance from XX/XX/XXXX to XX/XX/XXXX. They are now requiring me to repay them or they will foreclose on my house. Due to Statute of Limitations laws in Georgia, this loan is considered Time-barred. Bank of America insists I owe them this loan and if I dont do a loan modification by XX/XX/XXXX, they will begin foreclosure proceedings. I believe that they acting illegally to collect this debt. You assistance in this matter is appreciated. 
XXXX XXXX.
Product: Vehicle loan or lease

I got approved for this car loan on XX/XX/XXXX I purchased my car the same day from XXXX XXXX, I returned the car to the creditor CreditAcceptance a few months later due to expensive mechanical issues. The car was sold on XX/XX/XXXX for XXXX but this creditor never contacted me to inform me about how much would it be the difference to pay for me to close this account and get it off of my credit. I found out they sold the car 7-8 months later after hundreds of call I basically spoke with the whole creditor company. i also requested the creditor to adjust that money they got for the car sale to my account but they instead offer me a suspicious 80 % percent discount of this bill and keep reporting late payments on my credit report when I actually owe them nothing I was also told they had a few action market fees but I still dont get why my bill is XXXX when the money they got for the car covered the money I owed to the creditor I have requested and I keep requesting a sale receipt for me to dispute this but the company refuses to send me this receipt all they keep saying is that they send it to my address but I dont be getting any mail from credit acceptance I needed it to prove the credit bureaus my statements. I disputed it to the credit bureau but my results wasnt positive due to the Creditor says my bill is accurate but this creditor hasnt sent me my car sale receipt yet.
Product: Credit card or prepaid card

XX/XX/XXXX statement on Chase credit card - balance of {$1200.00} ( approx ) Paid entire balance on XX/XX/XXXX ( before XXXX due date ) XX/XX/XXXX statement - balance of {$7.00} for " residual interest '' Per call with Chase customer service on XX/XX/XXXX - residual interest charged for period between XX/XX/XXXX and payment date. 
would not waive residual interest and had to pay No mention on XX/XX/XXXX statement that even if entire balance paid, would still be responsible for residual interest through payment in full date.
Product: Credit card or prepaid card

I am sure you are aware of 88 Stat. 1514, and FDIC XXXX Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Capital One for the interest I have earned, as a result of Capital One is trading my securities on the exchange. This has been done without my knowledge and constitutes that Capital One trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192 - All debt is government obligations. 15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.