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

I sent a dispute on XXXX and XX/XX/2023. I wrote them because I discovered after I obtained a copy of my Experian credit report that they are reporting inaccurate, unverified, and also incomplete information in reference to my personal information and also 2 XXXX XXXX XXXX XXXX  XXXX Aand # XXXX. Experian has claimed that the information was verified and meets FCRA requirements but has not provided me with proof that the investigation they completed was Fair, Impartial, and Reasonable and that they did not solely rely on information from the Furnisher because that is a violation of the FCRA 15 U.S. Code 1681i. I have asked for the procedure used to verify these accounts and Experian has failed to do so. Experian is also reporting an inaccurate and mathematically impossible payment history of this account. I was never late on these accounts and the information that Experian is willingly and negligently reporting on my credit report has not only damaged my reputation but has damaged my creditworthiness and my ability to access credit resources as I support my way through college.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX  of  XXXX  I was on a repayment plan with  XXXX   XXXX  mortgage that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,    XXXX   XXXX     mortgage is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist.  ''  XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled th e five  months and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during the  five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.
Product: Checking or savings account

On XX/XX/XXXX the last thing i used my debit card for was to order XXXX XXXX for my XXXXXXXX XXXX wife so she can have her pomegranate. About a little later i wanted to check my bank account to see how much i have left but for some reason my facial recognition on my app wasnt working and was asking for my password which i found weird in the first place. I try to type my info in at around XXXX and it wasnt working. Then i tried to change my password and my email wasnt even matching the files on their app. So i just hoped it was a maintenance think because Ace XXXX Flare is the card/bank i have and they dont have a 24/7 help system nor a 2 step verification. On XX/XX/XXXX i battle with my banks verification process because i didnt know that the person that stole my money changed my info on my file so on the XXXX try of calling and plugging in info i finally was able to answer to security questions that didnt have to do with the last transaction and the pin number. When i logged on i saw that the hacker transferred all XXXX dollars from my saving to checking and spent XXXX dollars at a texas XXXX XXXX. This hacker created a virtual card in my bank account to purchase and changed my info on my profile to something in texas which i have a screenshot of what he changed it to. Im negative XXXX dollars and i have no money for XXXX and no money for when my child XXXX XXXX. i reported that fraud n and made a dispute with my company but It says the next update is on XX/XX/XXXX but i cant wait that long and i have no help please if you can help me asap
Product: Consumer Loan

We have an existing loan with Avant Credit and they ( not we ) are making it increasingly difficult to pay the monthly installments and have n't even given us access to the final loan agreement/details/loan #, etc. We had to close a checking account ( from which they were taking payments ) due to credit card fraud. We have notified them about this over 7 times. They will not take that account off of their automatic billing AND will not let us put a new account in its place. We repeatedly have called and emailed them with these concerns, to no avail ( over 10 communications to them and counting ). Instead, when we ask to speak with a manager, the costumer service rep HANGS UP ON US. They, clearly, are trying to throw up roadblocks to us paying our loan AND accessing info related to our loan. They create many reasons why they will not take most forms of payment. They are outrageous with regard to how many problems they create to prevent you from paying your monthly installment. Clearly, they are trying to get consumers to default, so they can jab you with excessive late ( and other ) fees. Worst lender experience I have ever had. What can we do???
Product: Credit card or prepaid card

Title : Bank of America is charging me a fee without telling me upfront. They've charged me {$25.00} after the action is completed. 

I payed {$250.00} on XX/XX/2021 to my Bank of America credit card. 

I had autopay set up to pay the statement balance. Although my current balance was {$0.00} on XX/XX/2021, autopay still pulled {$250.00} to my credit card. 

I ended up with a {$250.00} credit on my balance. I had 2 recent purchases at the time, so my overall credit was {$230.00}. I called BOA and an associate told me that the {$250.00} was processed, she can not cancel the payment, but she can return the extra credit back to my checking account. I agreed. 

This month, BOA charged me : XX/XX/2021 RETURNED CHECK FEE {$25.00} XX/XX/2021 RETURNED PAYMENT UNPAID {$250.00} They've charged me the {$250.00} again, plus a " returned check fee '' of {$25.00}. 

I called BOA, talked to different managers and associates. An associate told me that it may be that I didn't have sufficient fund in my checking account, so the {$250.00} was never processed successfully. The managers didn't even bother to check my account to see why {$250.00} didn't process, told me that it's my responsibility to cancel autopay to avoid double-payment. 

However, I HAD sufficient fund in my checking account at the time ( about {$3000.00} XXXX. 
I called again, this time another associate was able to tell me that, the {$250.00} did not process successfully is because I've called to " stop '' the transaction in XXXX. 

In XXXX, I was informed that the {$250.00} can not be stopped, and was NEVER informed that I have to pay a {$25.00} fee to avoid the extra payment made by BOA autopay to my credit card. Apparently the associate who was assisting me in XXXX didn't know either. 

The fee related to that action was NOT SHOWN on the associate ' screen, according to the last associate I've talked to, the associates are only able to see the fees after fees are processed. 

The managers have denied to refund me the {$25.00}, and it's their " SYSTEM '' that makes the decision, the managers and the associates couldn't overturn that. 

I have to pay the {$25.00} fee because I wanted to avoid double-payment to my credit card. And I was informed that the {$250.00} was PROCESSED, and they couldn't stop that. 

However, the payment was stopped for some reasons, and BOA is charging me {$25.00} on an action that they said to be " can not be canceled '', on an extra payment made by autopay to my credit card, without informing me before the action was taken.
Product: Debt collection

Debt collection agency attempting to collect on a debt from 2010. They filed legal actions on me. Was notified by a company that I was seeking credit through that they could not give me approval due to pending legal actions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

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 XXXXXXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Buffalo Lake Lending. Since then, Buffalo Lake Lending has debited my account multiple times using XXXX. These transactions are unauthorized according to Regulation E. 

{$81.00} on XX/XX/2022 {$81.00} on XXXX/XXXX/2022
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX XXXX Account # : XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX Account # : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX Account XXXX : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX OF XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Debt collection

XXXX XXXX contacted my relative on XX/XX/2019 and left a voicemail stating that I owe a debt and they are trying to reach me.
Product: Checking or savings account

I never received promo bonus for opening my account. I have met all the terms of the promotion
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a false Bankruptcy reporting on my credit report I have requested the removal of this item several times attached is all supporting documents of this item. This is illegal to report false information. This bureau has stated several times it verified this item thru XXXX XXXX which is false. Attached is a copy of my XXXX XXXX report stating there is no item reporting. I will have to file a law suit if this is not removed immediately.

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 a account without my written instructions
Product: Debt collection

This debt collector calls this number non stop. I only agree to written communication. 





XXXX ( XXXX consumer protection act ) The law restricts telemarketing certain phone calls, text messages, and facsimiles. It also places restrictions on the use of automatic dialing systems and artificial or prerecorded voice messages. Collections ' actions by phone are also regulated under the act.
Product: Credit reporting or other personal consumer reports

I fixed this issue for several times. I sent my dispute letters last XX/XX/XXXX requesting to delete or remove this authorized inquiries but I never received any response from XXXX credit bureaus. I'm so stress to this inquires this is not mine. Please delete it now. Here 's the list of authorized inquires please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Trans union has 2 collection accounts showing on my record which is hurting my score. They fixed one account and removed it but the have XXXX XXXX XXXX ( XXXX XXXX ) still showing a collection in the amount of {$1000.00} which is NOT TRUE! I have disputed this numerous times and even have the proof as to when it was removed between XX/XX/2023 and XX/XX/2023 due to their error! Now it is still back on my report showing as a a collection! This is hurting me from getting a vehicle in which I need very badly! They removed the other 1 because I sent in photos showing it was taken care of! This account needs to be removed!!
Product: Mortgage

I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report as defined by 15 USC 16c-2. The listed inquiries were not authorized and are impacting my credit.
Product: Credit reporting or other personal consumer reports

I recently attempted to check my credit report. It can not be accessed.
Product: Debt collection

I discovered a collection on my credit i did not know about. After completing my contract with XXXX a charge was added to the account that was later described as a equipment fee. I had no information of this debit and requested proof it was valid. I received nothing. After 60 days i again called and was given only a phone number to a collection agency named convergent. I called and spoke with them requesting proof i owed this debit and it was valid. I also placed a letter in the mail with these same requests later that day. I received nothing. After another 30 days i called back to make a final attempt to resolve the debit. The agent i spoke to offered me a settlement that included a complete deletion of the account from my credit report and a paid in full status. She made the case that the settlement was cheaper and faster than getting a attorney. Because this false debit was causing great hardship to my family by preventing the refinance of my home and the agent knew this i felt blackmailed into the arrangement. I agreed and gave my credit card number and awaited the documentation of this agreement in the mail. After another 30 days with no documentation, no deletion from my credit report, and no return communication from repeated phone calls i contacted my credit card company. They opened a fraud case. XXXX XXXX determined the false statements and deceptive agreements along with the complete absence of agreed documentation made by the agent to obtain my credit card number met their requirements for fraud and they promptly reversed the charges. The collection agency responded by placing a second collection on my credit report. So at this time they are reporting two accounts. Injuring my credit further. I am at this time reviewing local attorneys to begin legal action against the collection agency. They blackmailed me with inaccurate reporting info, lied to me to get my credit card number, provided not one piece of requested documentation, and falsely placed a second new collection account on my credit report. I have no documents as they refuse to send anything. If you need copies of the fraud finding by my credit card company i can produce that at any time. However absolutely no bills, letters, or documentation of this debit of any kind has been received by me at any time.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF IDENTITY THEFT AND XXXX XXXX PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Debt collection

I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX
Product: Credit reporting or other personal consumer reports

I tried to send a letter to XXXX XXXX XXXX for a validation of debt. I used the address that XXXX has provided to all three credit reporting agencies and the letter was returned back to me for " unable to deliver - vacant '' - I then sent Equifax, XXXX, and XXXX a letter with a copy of the envelope to remove this debt for violating FCRA Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR.

PLEASE know it states the following : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( AR and ( a ) ( 1 ) ( CR All three credit reporting agencies have still not removed this account. 

Ive attached the copy of the letter to each CRA, the envelope showing the return, the copy of the credit report showing the address that ecmc reported to the credit reporting agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX inserted a bad debt on my XXXX, On XXXX XXXX, 2015 DEBT RECOVERY SOLUTIONS also reinserted the same bad debt after previously being told its from Identity theft and removing it. There is no way both of those debt collectors can have a legal right to pursue XXXX bill at the same time. AARGON AGENCY INC also has the same debt listed in my XXXX, they last reported on XXXX XXXX. I 'm not facing double jeopardy I 'm facing triple jeopardy with XXXX debt Collectors listing the same debt & XXXX of them listing it 15 days apart in the same month.. XXXX XXXX XXXX XXXX XXXX both have the debt SEPERATED into XXXX accounts {$680.00} + XXXX total XXXX..Instead of the total being listed once. They 've maliciously separated the bill to do as much damage as possible to my credit scores. Instead of XXXX showing from XXXX co its now {$2100.00} AARGON AGENCY INC has it listed at but as one bill..So now the same bill is listed at over {$3000.00} in my reports. The Bill in question AARGON AGENCY INC has listed SPRING XXXX XXXX as the original creditor ( I understand that 's a HIPPA violation ) Both XXXX XXXX & XXXX XXXX SOLUTIONS have the original creditor as XXXX ( another possible HIPPA Violation ) I will be suing all mentioned parties for violations and filing complaints with my states Attorney General, The XXXX & Courts if these tradelines arent removed from my XXXX and if they 're resold or transferred again. XXXX companies cant have the right to legally try to collect on the debt at the same, XXXX or more companies are obviously trying to collect on a debt they have no legal right to collect on as well as the fact they intentionally misrepresented a debt by separating it to list it more than one time in my credit report. AARGON sold or transferred the accounts and has still reported on them while knowing they cant report or respond on accounts they dont have. AARGON also has a NV POWER BILL on my XXXX listed at an address I 've never lived at. I 've previously notified them it 's from someone using my identity..