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

I can not get ahold of XXXX  or XXXX on the phone. I just simply want to dispute my credit report because the last transaction was refunded but after my statement date passed. I need a retroactive adjustment to my balance. They used the wrong information to adjust my credit score. That transaction took me from 4-19 % usage which lowered my credit score when it should only be 10 % usage because the transaction was refunded. 
I can not get them on the phone. The automated service ai voice prompt they use studders and glitches. I also get 2 different voices when calling. I don't know what to do. I can not get ahold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed Experian a letter certified with tracking # XXXX which was received on XXXX XXXX at XXXX to this date I have not received any results from my complaint and I have proof of this tracking. The law states that a investigation is done within 30days or must be deleted. It has been more than 45 days and this incorrect Public record is still being reported on my consumer report, when it has been deleted from XXXX XXXX, XXXX, and XXXX. I feel at this point Experian is not only being non-compliant but also defaming my character, causing me emotional distress, reducing my credit rating and causing me to have to pay higher rates. The information is false, misleading, inaccurate, and unverifiable. So please either provide me proof of this alleged Bankruptcy because the courts have verified they do not furnish, and XXXX XXXX has deleted the inaccurate record from my file. So how and who is verifying you this information without my written consent??
Product: Debt collection

TransUnion has a collection amount on me for over {$6000.00}. I have no knowledge of this account and disputed that charge as I have no affiliation with XXXX XXXX XXXX. I asked for the original copy of the contract that held me accountable for said account and got no such thing. Just an email saying my request for dispute had been denied. I feel my rights have been violated and deserve to know why and when I'm being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Experian for the last couple of months. I have talked to AT LEAST 50 representatives. No one can tell me why I am unable to view my credit report. My mortgage lender is also trying to run my credit report and they get an error message from Experian. Experian says I can't see it because my account isn't active. Then when they go to activate it, it doesn't work. So then they transfer me to another person and this happens over and over again. I am unable to see my credit report on Experian.com and on XXXX. Experian customer service is very bad. Some people hang up on me, no one ever knows what to do. They tell me they can send my credit report in the mail, but I have never received it months later, multiple different times. I ask for a supervisor and they never call me back.
Product: Debt collection

This company has called and harrassed me multiple times about paying. They have also added a second balance of the same payment to my credit report file. These people are stopping me from getting an apartment.
Product: Credit reporting or other personal consumer reports

its been more than 30days as " Experian '' continues to report/ and or accpet transactions reporting to my consumer report. under the FCRA LAWS, " Experian '' continues to neglect the responsibility to Removed unauthorized account transactions reported. such actions require " experian '' to pay the consumer in legal fines for non-compliance, for accepting/ and or to commit reporting of transactions from non-affiliated third party companies, which is highly against the law. My Score was at XXXX!!! down to low XXXX. because " experian '' chose to do unseen business without any, written, unwritten, verbal, non-verbal, authorization by me, in violation of FCRA laws & the Privacy Act of 1974. 

The Federal Trade Commission will require Experian Consumer Services, which offers consumers access to their Experian credit information, to pay {$650000.00} to settle charges it sent consumers unsolicited email without offering them a way to opt out of such messages, as required under the CAN-SPAM Act. 

The costs of an Experian credit report error include : a lower credit score higher interest rates for your credit card, private student loans, and home mortgage higher insurance premiums for your home and car loss of a job opportunity denial of loan and credit applications While there are multiple common errors that can appear on your credit report, an error that Experian made was merging one consumers files with anothers. 

In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. The law firm of XXXX XXXX XXXX, XXXX. is proud to have represented XXXX in this case. 

You have the right to dispute an error on your Experian credit report. 


Experian has 30 days from the date of the dispute to verify that the information is incorrect and correct or remove the mistake. If there is no correction made on your Experian dispute results after 30 days, the FCRA grants you the right to sue Experian. 

its been more than 30 days..
Product: Debt collection

I'm getting letters repeatedly from Midland Credit Management. I responded 3 times already, twice by mail and once by phone. They are harassing me about a debt I don't owe. I have 2 accounts with XXXX XXXXXXXX and both of my accounts are current. 

MCM account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$90.00} XXXX XXXX XXXX SERVICE XX/XX/XXXX
Product: Mortgage

Someone I do not know hacked my computer and made fraudulent charges on my name and was made on XX/XX/2005
Product: Credit reporting or other personal consumer reports

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days Jpmcb Auto Finance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payday loan from XXXX XXXX XXXX and incorrect amounts were with drawn from my checking account on several occasions. After speaking with XXXX XXXX XXXX it was noted that I applied for 2 loans which I had not. They informed me that it would be corrected and I did not have anything to worry about. My original the account was paid in full and should have never been forwarded to a collection agency. I informed XXXX  XXXX via certified mail and they still are trying to collect and this account remains on my credit report. The 2nd account must be and err or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XX/XX/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
Product: Debt collection

I never received documentation regarding this debt from Hunter Warfield. Upon noticing they were reporting on my credit report I called to ask to verify the account information. The collection agent verbally told me about charges that do not belong to me. After stating that the charges did not belong to me I requested the account information to be sent to me to verify the debt ( this was a verbal request ). I never received documentation I requested. I contacted a lawyer for assistance, my Lawyer sent out a letter disputing the charges with an offer that I provided in lieu of removal. The letter was sent XX/XX/2018. I have not received any information regarding this account to verify the false debt. I check my mail daily for this information. Although, I disputed the inaccurate information being reported on my credit report for a debt I do not owe, the company continues to report this on my credit reports which is against the law. I request immediate removal from my credit report for proving inaccurate information that is stopping me from gaining approval on credit applications.
Product: Checking or savings account

President assured me that he would reimburse me for any fees related to penalties i received for IRS du e Fifth Third not honoring online payment as Branch Manager state d she would. They are now trying to say that they called me and could n't reach me?? i have my cell phone on and available to take calls at any time. and there were definitely no missed calls. They also did not mail me any info regarding hold they stated they had on acct either until after i filed complaint. IRS has fined me {$2300.00} ( I HAVE NEVER HAD A RETURNED CHECK WITH IRS ) for them not paying my check in the amount of {$14000.00} when i had funds in the bank. and even after i spoke with  XXXX   XXXX  Manager who gave me her contact info for them to call her so that she assure them that " the funds were good ''. They alleged that they called her and that this was n't good enough and they had to have this in writing.     i made a payment to IRS for taxes o n  XX/XX/XXXX  a nd after making payment online i realized that bank had some of my funds on hold for a check that deposited via ATM. first thing Monday morning the   XX/XX/XXXX  i bega n calling to see if manager would release so that this check was not returned and this when the charade began..     I spoke with several Manage rs at 4 locations and 2 o f them assured me that they would handle. i was told by all that i need to contact the branch i opened the account with 10 years ago!! So i started with  XXXX  who never returned call back to date ... but told  XXXX  who assured me that this check will clear because if funds are there they will always pay check..and she stated that check had already been held 7 days and it is obvious that the check is good..by the end of the day  XXXX  called me after hours and stated that  XXXX  advised her to " stay  out of i t '' and that she would handle. All the people I spoke with on   XX/XX/XXXX  regar ding this matter.  XXXX   XXXX  ( she was at location where i made ATM deposit ) never attempted to call me back I have my cell phone with m e 24/7. The y knew that  XXXX   XXXX  would not be providing them anything in writing but did advise Fifth Third to call so that they could verify that Funds were Good Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on   XX/XX/XXXX  ( the  XX/XX/XXXX  the check was returned not paid ) I HAVE SPOKEN WITH THE   PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT I HAVE BEEN ASKED TO PAY FROM IRS  FIFTH THIRD W ILL BE REFUNDED ONCE I HAVE PROOF THE I HAVE PAID THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE WITH MANAGERS AT 4 LOCATIONS  (   XXXX  AT  XXXX  LOCATION,  XXXX  AT   XXXX    LOCATION,  XXXX  MANAGER AND  XXXX   XXXX  AT  XXXX   XXXX  LOCATION ) BRANCHES AND WAS TOLD ONE LIE AFTER ANOTHER.   I DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE IRS I DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION.      XXXX   XXXX
Product: Credit card or prepaid card

Took loan on my credit card for a fixed interest rate which has been applied for fixed monthly payments. However, every month, additional interest rate is being added. After having called customer service multiple times, the fees have been waived and the agent mentioned that those charges were incorrect and will be fixed so I won't be charged going forward. But, the charges seem to be added again in the following months.
Product: Credit reporting or other personal consumer reports

I have spoken with Branch Manager XXXX XXXX of 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. 
-Capital One Auto Finance 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 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  Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud.

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered incorrect information on my credit report, as outlined in 15 USC 16c-2. This inaccurate information is negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX, Florida Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Reference to : TRANSUNION VIOLATION XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX >Sold ; was Charged-off< TO WHOM THIS MAY CONCERN ; I XXXX XXXX, herby would like to file a complaint against TRANSUNION, due to Transunion refusing to remove inaccurate and misleading data which is now part of my credit bureau report . I have contacted Transunion on multiple occasions and showed them proof that this alleged debit is NOT Mine, and I am legally not responsible for it since it isnt mine. I have informed transunion of being a victim of fraud. I have filed a FTC Fraud complaint form and have provided TransUnion this on multiple occasions also.
Product: Mortgage

This complaint is in reference to previous complaint # XXXX. 

We received a response from Bank of America. We are challenging the information in that response. Their response came from XXXX XXXX with the firm XXXX XXXX XXXX. The letter does not state what happened in the beginning. We ONLY sued B of A because they told us in XXXX that the only way to get our name off of the mortgage was to sue them. We have copies of the emails between our attorney & Bank of America that clearly state they were not going to honor our previous agreement. A " Cash for Keys '' settlement was done in XXXX of XXXX. It was our understanding that a Cash for Keys was the same as a deed in lieu of foreclosure. We were told by our attorney that B of A would take over the home 2 weeks after the settlement was done. Bank of America never took title. Bank of America has been paying taxes on the home since XXXX. Why do they do that if they say we own the property. As far as we know, there are no tax liens on the home. 
I ( XXXX ) have been in contact with XXXX XXXX. He has said that a Cash for Keys is not the same as a deed in lieu of foreclosure. We find that very odd because we have many friends who went through the procedure and the bank took title to the homes. He proceeded to say we needed to call XXXX XXXX XXXX XXXX because he only deals with California, not Nevada. Why, then, was he the one who responded to our first complaint. Once again, we are getting the run around from the bank. 
We have contacted XXXX XXXX with the XXXX XXXX XXXX in Nevada per your suggestion on XX/XX/XXXX. He is trying to arrange mediation with Bank of America.
Product: Debt collection

I tried disputing this debt with XXXX and XXXX. It came back verified without any proof. This is not my debt I never opened this card this is fraud.
Product: Student loan

In XXXX, I started working at a XXXX non-profit that is approved for XXXX forgiveness. At the time my loans were in deferment. I had issues with the servicer XXXX XXXX in getting documentation submitted. I applied for XXXX and was approved XXXX, and was told I was to make a small interim payment to continue on the {$0.00} XXXX plan. The next time, I sent in my XXXX with the application and they lost it. They admit they lost it. In XXXX of I believe XXXX?, I sent in again. They processed it, but I didn't receive information or the statement for the small payment until well into XXXX, when the payment was due in XXXX. As soon as I knew, I called in and they put my loans in forbearance until they could straighten out the issue. They then rejected my application and placed me back on a standard payment plan. I again received no communication about this until months later when they sent me to collections. I have filed multiple complaints with the XXXX XXXX XXXX in regard to XXXX XXXX. I worked XXXX  years for the XXXX, and applied for XXXX by XX/XX/XXXX deadline after rehabilitating my loans out of collections/default. My service went back and forth from XXXX to MOHELA. Currently MOHELA states that any collections time ( albeit my loans were rehabilitated ) and any deferment or forbearance, which were the result of issues with the servicer errors, are not allowable as part of the XXXX  months for XXXX and I would have to continue to work at a XXXX at a decreased wage for XXXX more years to qualify. That is XXXX  XXXX because the information provided by a servicer that is no longer contracted because of errors and mismanagement ( XXXX XXXX ) should be held accountable for the XXXX issues, and MOHELA should be asked to process as XXXX right now.
Product: Credit card or prepaid card

From XXXX I paid off the balance of the credit card, I then called them and told them i no longer want the card and I need it closed. After obtaining my credit report I see that they have put it in collections with the amount I owe over {$1000.00}. This isnt right I called and told them to close it. There should be no account in collections for this card
Product: Checking or savings account

XXXX XXXX has done XXXX  of dollars in charge backs. Chase Bank was made aware and I was told nothing can be done these activities are permitted even though items were sent directly to her house, expensive vacations to XXXX, XXXX, XXXX, XXXX XXXX and XXXX were all done by her. ( XXXX XXXX XXXX XXXX IL XXXX ) is her address
Product: Mortgage

Bank of America, N.A., was given authorization by me to increase my monthly mortgage payment from {$1400.00} to {$1500.00} as an adjustment needed to be made meet the escrow obligations. Bank of America, withdrew the money for which I gave authorization but they reported 2 late payments.
Product: Checking or savings account

By XX/XX/XXXX XXXX Santander XXXX returned to me over {$13000.00} in " error '' charges they had incorrectly made to some of my Commercial Bank Accounts ( ie # XXXX ). We held then a personal meeting at their XXXX XXXX XXXX XXXX in XXXX XXXX where they ( XXXX XXXX, XXXX XXXX, etc ) told me that for " seeing only '' my accounts via internet the charge would only be $ XXXX/month from then on. However they did not comply with that disclosure/promise and instead repeatedly kept on over charging my account from XX/XX/XXXX through XX/XX/XXXX up to {$3200.00}. They should keep the agreed $ XXXX/month x 18 months = {$270.00} and return to me the excess money the took from my account ( $  XXXX $ XXXX {$2900.00} ). I have all evidence and correspondence of efforts made with several of their present employees trying to get my money back during recent months in XXXX. Thanks for your kind attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX