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

I have attempted to log into my Experian account for days now. It is currently XX/XX/. I have reset my password multiple times but keep receiving the same error message. I have uploaded screen shots. 

Screen shot : Experian Page -This is the page I see and I simply go to create your account at the bottom. 

Screen shot : Experian Error - After a click create your account I receive this error message. I have tried resetting my password multiple times but can not get past this step. 

Overall, the most frustrating part is that the error message tells me to contact the Experian toll free number but when I call the " robot '' self-service can not help me and refuses to pass me to a human representative. The robot basically points you to the website to read the help section which provides no detailed information.
Product: Credit card or prepaid card

FOLLOW UP TO PREVIOUSLY SUBMITTED COMPLAINT. 

Chase did not read complaint and called to " meet a service level '' and/or " check a box ''. 

First, they contacted my spouse and not me. 

Second, they called a different number than I provided to discuss the complaint. 

Third, spouse was provided a " download '' of process and next steps. 

They did not read this issue nor create time to discuss with me. I know there is a pending dispute. I know it takes time. I know it needs to be reviewed and investigated. 

What they are failing to discuss, acknowledge or accept responsibility with is the fact that they failed to protect me, the created a delay, there is no ownership and this unauthorized charge has been floated back and forth between disputes and fraud creating a delay. 

They also mapped this charge to a card number that was reporting missing/lost. 

I promptly called back and have not received a return call. 

My spouse got the impression that we will hear back when the investigation is completed. 

THAT IS NOT THE CRUX OF MY CONCERN AND COMPLAINT. 

I am working to resolve this based on the detrimental reliance they have placed on me.
Product: Checking or savings account

On XX/XX/2019, I deposited a check from XXXX XXXX  XXXX XXXX and XXXX XXXX, in the amount of {$470.00} into my local bank at the ATM ( bank of America ). Then when I received my monthly bank statement., that deposit was not listed, so I called the bank and they credited my account for the above amount. I was notified on XX/XX/XXXX by mail that they had indeed credited my account, but were investigating the issue. On XX/XX/XXXX they said in a letter that they had found the original transaction that was referenced, but they were unable to find my check. As a result they reversed the credit to my account, and stated that the dispute was resolved. My next step was to contact the business that issued me the check ( XXXX XXXX XXXX ) and they sent me a copy of the cashed check on XXXX so I provided a copy to Bof A claim department in Arizona. I heard nothing from them so I called on XXXX and they said the issue has been resolved and to contact some fraud company. Obviously that is unfair to just say that it's my loss when the bank is responsible. Here is the claim number for the bank XXXX from Bank of America There is no local branch office to go inside to make transactions in the city where I live, and that is why I use the ATM in the first place.
Product: Debt collection

I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Debt collection

I received a letter from National Credit Systems about a collection. 

It states " You may satisfy your debt in full at a XXXX percent discount if you pay by XX/XX/XXXX '' The resolution offer was {$1900.00} which I paid on XX/XX/XXXX. 

To this day it shows on my credit report that I have a derogatory remark of {$1900.00} I called National Credit Systems XXXX XX/XX/XXXX and they're telling me that it is not resolved.
Product: Student loan

I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I have 8 fraudulent credit inquiries that I have send the police reports and FTC reports and nothing has been done. Ive contacted the company individually and sent all the correct information. I didnt give permission for these companies to run my credit, it is unauthorized and under the Fair Credit Reporting Act ( FCRA ), my credit cant be ran with my permission. These are the inquiries below. Also please remove the old address 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, & XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

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

XXXX XX/XX/2022 I received a bill via email for a amount due of XXXX nothing stated the payment was past due or.no other email was sent saying my account was past due I saw it from XXXX my payment was last do to covid declared lack of hours I never had a miss payment for them. I called the company but was informed that they can not do anything unless if it was an error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account XXXX XXXXXXXX Account XXXX
Product: Debt collection

On XX/XX/2021, the IRS deposited some funds on my navy federal checking account, but navy federal only deposited {$1400.00} instead of the {$1800.00}.
Product: Mortgage

I have repeatedly asked them to look over the records for the escrow from XX/XX/XXXX until now. They argue the partial payments that add up to full payments ( that they keep texting me to make weekly payments, by the way ) are messing with their system. However, it's all electronic, meaning they should be able to tell me where my extra escrow payments went. Instead, they continuously refuse to run the audit. From XX/XX/XXXX until XX/XX/XXXX, the extra escrow payment was {$340.00}. The payments were made in full that entire time. So the argument that partial payments were made is invalid. From XX/XX/XXXX until XX/XX/XXXX, the extra payments were {$280.00} a month due to increase in taxes. In XX/XX/XXXX, I started making the partial payments which added up to more than my actual payment on literally every occasion, but the extra payment still was XXXX a month. I have asked you to look into this on the phone, in writing, via CFPB. Your company has refused. If you looked into this, everything would be rectified, but you haven't. I have asked for an audit, which, again, by law, you are required to do and you still have refused. All you provided me was from this year and what you took from my escrow, instead of finding out where my extra payments went. Please fix this, as you are not allowed, again, by law, any action on payments in dispute. I paid the principal and interest, but the escrow needs to be fixed. I have and will continue to ask until you fix it. And this will continue as long as I can.
Product: Debt collection

The company has sent a judgement to my employer to garnish my wages. Debt is over 6 years old and was sold to this company.
Product: Student loan

I am a XXXX resident in the XXXX since 2007. I currently have student loans in repayment with XXXX different providers, XXXX of which is AES. AES, unlike my other loan providers, refuses to take a card payment over the phone from the visa debit card linked to my XXXX bank account. Instead, they are insisting that I pay via money order or wire transfer on a monthly basis, resulting in a punitive surcharge on top of my monthly payment ( XXXX, or {$43.00} according to today 's exchange rate ). I have just spent 40 minutes querying this policy with XXXX supervisors at AES, citing the example of my other providers, XXXX and XXXX. I have been advised that the only way to use my card to pay would be to allow my loans to go into default, at which point I would be contacted by a collections agency, which would be willing to take a card payment over the phone. I have placed my loans in temporary deferment, while I seek resolution to this matter, either by intervention from CFPB or through refinancing my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and Equifax were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Product: Credit card

In regards to existing complaint/dispute # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX sent me a response indicating they inherited this matter from another firm. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX ( " XXXX '' ) of which XXXX. received this from Capital One. I am looking for a resolution from Capital One or XXXX, by providing original application, signatures, customer agreement, etc.., as that would conclude this matter, because I am certain this debt was not made by myself.
Product: Credit reporting or other personal consumer reports

This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because I received results via CFPB portal on XX/XX/XXXX that stated that my dispute was verified. I disputed because my PRIVACY rights have been violated because Trans Union illegally published/furnished accounts without my PERMISSION or any written instructions. I did not give anyone at anytime PERMISSION or any written instructions to furnish the accounts that I am listing below that should be deleted from my credit report immediately. 
I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and also received results in the mail File Number XXXX dated XX/XX/XXXX which is another violation that Trans Union has committed under FCRA 611 which states your agency must conduct your investigation within 30 days. Your agency took more than 30 days acoording to the letter you mailed to me is Proof that your agency is in violation again for an untimely investigation. In accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) I am requesting ALL the records that reveal the procedures your agency used that led to the accounts that I disputed to be verified. 
I also am requesting the name of the person ( s ) you spoke with along with the Business Name Address and Telephone Numbers of everyone that you spoke with in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) in 15 Days as the LAW states. The accounts I am disputing that are in violation of my privacy rights because FCRA 602 states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish accounts without my written instructions as I am a federally protected consumer. Please send me the information I am requesting regarding the accounts listed below that were verified : Trade : XXXX XXXX XXXX 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

lenders have checked my report with out my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

fdcpa letter and ftc report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. 

XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that my file be deleted and updated for ( case XXXX ) which they reported incorrect date of filing. They didn't not respond or delete the incorrect information.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I submitted an identity theft report and my signed affidavit under penalty of perjury to show that the account XXXX did not belong to me. On numerous occasions I asked for evidence being used to prove XXXX XXXX 's claim that they verified the account. I was not provided any information about their investigation. XXXX XXXX has not submitted any affidavits under penalty of perjury. I requested a validation of debt and was not provided this information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I XXXX like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry reporting on XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account were not a charge off i took care of the accounts, they are paid in full, the accounts were satisfied as agreed, please remove the error from my credit report ASAP XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple addresses reported to my Experian credit report. I called they and they removed all false addresses with the exception of one. 

XXXX XXXX XXXX XXXX XXXX  This address does not belong to me. Please help in removal of this address.
Product: Debt collection

LVNV has now placed a collection notice on my credit report both XXXX and XXXX, without providing me written notice to dispute the debt according to FDCPA. They also show the account was just opened as of XX/XX/22 which is also not correct. This account was opened last year.
Product: Vehicle loan or lease

I was in the process of trading this vehicle in, I have been paying on it for a little over one year. I have had all kinds of mechanical failures dealing with this vehicle. I was already {$10000.00} upside down on the loan and had to replace a few parts. I have been in touch with American Credit Acceptance since XX/XX/XXXX and I have received 10-day payoff quotes to have this trade-in properly evaluated. They have been aware since before my bill was due since XX/XX/XXXX, I was current on my car note until the XXXX 's payment, that is only one month in the rears. 

How does this end up on my credit report so quickly and falsely in less than 90 days and without a repossession? This seems like a move to punish the consumer for making a better trade, at the end of the day they are away that I purchased XXXX new vehicles in the month of XXXX and that they will receive the total remaining on the XXXX XX/XX/2014, which is {$18000.00} before too long.
Product: Credit reporting or other personal consumer reports

I have been trying to contact Experian because when I try to create an account they auto populate an incorrect number and email that is associated to my SSN. This needs to be fixed and everytime I contact them, I have been on call for XXXX hours but no response from them whatsoever
Product: Debt collection

On XX/XX/year>, I had new onsetXX/XX/XXXXXXXX. XXXX XXXX XXXX provided transportation to the hospital. I subsequently received a bill for {$870.00}. I did not pay the bill and refuted the charge, as ambulance services for emergency diagnoses are covered by my insurance company. I relayed this information to the ambulance company, and subsequently to Sherloq financial and received no reply. I then sent certified letters to both alliance and Sherloq financial, providing proof of my insurance coverage for the billed ambulance services, and requested a copy of the bill they submitted to my insurance company. There was no response to my letter or request for the copy of the bill that was purportedly submitted to my insurance company. I can provide all documents that you need.