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

I am writing to file a complaint against Experian for their failure to provide any proof of validity or factual record in response to my inquiries regarding my credit report, and for their treatment of inaccurate or unverifiable information. I have made multiple requests for this information, but have yet to receive a satisfactory response. As a consumer, I have a right to access and review my credit report, and to dispute any inaccuracies or errors that may appear on it. However, without proper validation and factual documentation, I am unable to verify the accuracy of the information on my credit report. In accordance with the Consumer Financial Protection Bureau regulations, if after investigation, an item of information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency is required to promptly delete that item of information from the file of the consumer. I am requesting that Experian immediately provide the necessary proof of validity and factual record in response to my inquiries, and that any inaccuracies or errors on my credit report be promptly corrected and deleted as per the above regulation ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Furthermore, I am requesting that the Credit Bureau investigates and takes appropriate action against Experian for their failure to comply with the regulations as described by the Consumer Financial Protection Bureau. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Product: Debt collection

Please see attached letter from M Leonard And Associates. It seems that they have confirmed their closure of their file and have not requested that this item be removed from XXXX. Looks like a possible error.
Product: Debt collection

consistent emails and letters mailed when asked to stop since original contract couldnt be provided by them. it was bought out by third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a collection account from XXXX with TransUnion in XX/XX/XXXX. Transunion could not verify the account and deleted it from my report. Transunion then reinserted the collection without a written notice within 5 business days which is required by the FCRA. I sent Transunion a reinsertion letter on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from Transunion.
Product: Debt collection

I have a debt on my credit score from cavalry port. I have no idea who this is for or where it is from. There is another one in my credit report from XXXX. Which is another one that I have not received any letters from them. I have recieved 2 calls from cavalry port saying they are going to take legal action against me. And I 'm assuming they do n't have anything to prove that the debt is actually mine.
Product: Debt collection

In XX/XX/XXXX I was contacted by SL finance saying that they were the new collection agency of my Federal Student Loans. They told me that they will set me up on a plan paying {$170.00} for 4 months and eventually my student loans woukd be forgiven. Here we are in XX/XX/XXXX and Im finding out that my Collection agency had only changed earlier this month, My balance hasnt decreased and also that SL finance is a fraudulent company. They falsified promissory notes. This is a crime. I need help. Every time I call and wait on the line the phone coincidentally hangs up. This is so wrong. 
SL Finance XXXX XXXX XXXX XXXX U.S. Department of Education
Product: Credit reporting or other personal consumer reports

I discovered that several credit accounts were fraudulently opened in my name without my knowledge or consent. 

Capital One account # XXXX : Opened on XX/XX/XXXX with a balance of {$2700.00}. 
Capital One account # XXXX : Opened on XX/XX/XXXX, with a balance of {$2500.00}. 
XXXX XXXX XXXXXXXX account : Opened on XX/XX/XXXX with a balance of {$5100.00}. 
I did not authorize these accounts and have tried to resolve the issue with both the credit card companies and the credit bureaus, but they have been unable to help. I am seeking assistance to have these fraudulent accounts removed from my credit report.
Product: Checking or savings account

They said online banking placed a fraud hold due to the number of devices I had logged in my mother and I sat with a banker to add her to my account we both gave our ID and socials the banker told us she would receive her own card and online info and not only did that not happen they have sent no update no denial or anything.. which caused my mother and I to share my online info.. so now they think it's unusual activity when if they had given her her own it wouldn't appear as it does not my account has been overdrawn over XXXX longer then 30 days so it's been reported to credit beauro so my credit has taken a hit and my rent is late I've received another eviction notice my car 's broke down etc. And I need to know what's or to whom do I send my demand letter because I fully intend to sue for the total amount of my advance both cause I had to get a second while they held the first to a different bank plus interest on both advanced and for my credit and 2 eviction notices all for no reason or fault of mine so please respond with whatever I send my demands and legal info with regards to the lawsuit I plan to file against key bank.
Product: Credit card or prepaid card

I was charged by a vendor XXXX dollars for a purchase I did not make and XXXX XXXX XXXX  refuses to dispute the charge. They say its a scam and not a fraudulent charge.
Product: Credit reporting or other personal consumer reports

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like my credit file was breach or identity theft or both during the time frame of. XX/XX/2018 to present
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened in XXXX but ibhavw inquiries from this company every year I didn't apply for they also sent you a statement sayin the same I didn't appky for crwsit in XXXX or XXXX or XXXX Why do I have inquiries from your company please
Product: Mortgage

I was denied loan mo modification by Wells Fargo and my wife and I appealed it. The appeal was denied and we decided to reach out to XXXX. They have tried to speak with Wells Fargo however Wells Fargo for some reason has no record of XXXX reaching out to them. I believe Wells Fargo works for XXXX XXXX who are the investors of my mortgage. XXXX has tried numerous times but to no avail.
Product: Consumer Loan

I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!
Product: Debt collection

A third party debt collector, IQ Data, was contracted by my old apartment complex, XXXX XXXX XXXX XXXX XXXX XXXX, to collect a valid debt. I already paid the debt, directly to XXXX XXXX XXXX, and informed the caller of this. She demanded proof, and I said I'd be happy to forward a copy of the front and back of the check which was deposited by XXXX XXXX XXXX. She insisted that proof would not be sufficient. She demanded my complete bank account statement. I told her no, she couldn't have my bank statement, but could have a copy of the front and back of the statement. She then proceeded to insult me, call me " irresponsible '' and a " deadbeat '' ( bear in mind this is *after* I told her I'd paid the debt ). I ignored the insults, and asked her what proof would be sufficient. She again repeated that only a complete bank account would suffice. I told her, again, that I don't send my bank account to strangers, so surely there must be some other way of proving that the debt is paid, in addition to the aforementioned canceled check. She went ballistic, started screaming, continued insulting me, and I disconnected the call. This happened XX/XX/2020, at XXXX.
Product: Payday loan, title loan, or personal loan

I was called by this company and they said there was an insurance fee of {$500.00} to {$750.00} that had to be paid in order for me to get a {$5000.00} loan. They asked for banking info to verify account ( which I have done with other companies, very common ) and the next day they deposited a {$750.00} check into my account ; the bank held the money ) when they called back the next day for me to pay out the {$750.00} I was unable to because the bank had it on hold as possible fraud. So they said that I " ran away '' with their company 's money when in reality, it was all fraud to begin with. The check came back as written from a fraudulent account and now I am negative {$1000.00} with my bank account due to fees and problems they have caused me. I want them to pay the money they cost me.
Product: Credit reporting or other personal consumer reports

I have a late payment on my report that shouldn't be there. Late payments only stay on reports for 2 years and it's been 2 years and 3 months. And it's still reporting as a late payment. For transUnion and XXXX. The account is from XXXX XXXX XXXX. XXXX of XXXX
Product: Debt collection

XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.
Product: Credit reporting

The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
XXXX. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
XXXX XXXX XXXX {$280.00} : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
XXXX. XXXX XXXX, Opened XXXX : This account was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
XXXX XXXX : This account is a charge off or collection. A collection or charge off can not be an open account. A collection or charge off can not go into collection or charge off. A charge off and collection status it just that. It is reporting as an open past due account which is illegal under FCRA guidelines in turn deeming it as " incomplete and inaccurate '', which constitutes grounds for removal. 


FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.
Product: Credit reporting or other personal consumer reports

I recently sold my house on XX/XX/XXXX and closed on the new one the same day. All XXXX  credit bureaus sent me notification that my score went up XXXX points after selling old house which showed I satisfied that loan as being paid off. However this week all XXXX  bureaus reported that because of my new home my points dropped on all three bureaus. How is that possible? It seems unfair how these credit bureaus report. I paid my first payment on my new house XX/XX/XXXX which wasn't due till XX/XX/XXXX. I need assistance as no one has responded or advice how my score can go down.
Product: Debt collection

I received a call from a XXXX XXXX with XXXX XXXX XXXX originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of Wells Fargo for a bank account of mine that was forceably closed in XX/XX/2009due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX XXXX today if I didnt resolve the issue. I had a checking account with WF back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with Wells Fargo. If I owed them money, they wouldnt have opened an account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, we received a call from a man identifying himself as working with the district attorney 's office in XXXX, Arkansas. He stated that our grandson had been arrested and needed bail money. He asked us to wire {$2800.00} to Western Union in XXXX, Arkansas. 
We went to the Western Union office within our bank and wired the money. Within two hours we realized it was a scam. We called Western Union and told them to stop the money and send it back to us in California. We waited two hours, called them back, and they stated that the file had been marked scammed and were returning the money. We called numerous times with the same explanation. 
We went to our back with a police officer and they said the money was not there. We again contacted Western Union and were told the money was being returned. No results that day. We called Western Union the following morning and they stated the money had been picked up in New York, the previous afternoon at approximately XXXX. We questioned this as to how this was possible when the money should have come back to the California office. 
At this point, we filed with the fraud department within Western Union requesting our money back from them. They filed a claim - or so they said - this was the beginning of at least 4 different claims being filed., with every excuse in the world why we were not getting the money back. I stated to them numerous times that I felt there was fraud going on within Western Union or somebody had tapped into their system. This was like talking to a wall. 
As far as I am concerned all the employees that I have talked to in the Western Union fraud department - and there have been many - could care less and they are reading strictly from a scripted message. The simple problem I tried to explain to them, at least a half a dozen times, was the money should have been returned directly to the office where we had wired it from - California. I feel the money was never going to XXXX, it was being diverted to New York within the Western Union system. This whole process was a scam from the beginning. 
If you would like all the case numbers, and notes, I can supply that information ; however, I feel they need to fix the problem and clean up their act. You stated not to include any numbers but if you contact us directly, I will give you the original wiring instructions so that you can follow up on this. I am sure this has happened to many people and they have no recourse with Western Union because they don't care and so people give up. I am not one of them. At this point, I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609
Product: Student loan

I got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX provided me with a dispute resolution stating that the XXXX XXXX account was accurate, despite XXXX 's request to remove said account from my credit profile where said account was settled for {$130.00}. XXXX never discussed XXXX 's removal request.
Product: Credit reporting

HireRight gave inconclusive credit findings to a Company called XXXX and company. I was scheduled to start work for XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015 I was extended an offer for employment with them. I accepted and received paperwork from HireRight. I received a credit report from XXXX saying that my public records were sent to XXXX, but the address on the report was that of HireRight 's. The credit report had XXXX items that should have be on the report. XXXX showing that of a paid Indiana Tax lie and the other showing a false judgement against me from a check cashing company. There was XXXX also for Indiana state that I did owe and was paid on XXXX/XXXX/2015. HireRight showed these as flags on my credit to XXXX. HireRight did not investigate these thoroughly. As a result XXXX called me on friday XXXX/XXXX/2015 saying not to go in on XXXX/XXXX/2015 and I would start on XXXX/XXXX/2015 and they wanted to discuss HireRight 's flag that they showed. On Monday at the end of business day I got a call from XXXX and the HR rep had pulled my personal credit report and really didnt talk much about my public records. We talked about my personal credit. On Tuesday I received an email from the HR rep saying she and the hiring manger would be talking again on what their thoughts were. Finally, after seeing that I was getting strung along. I reached out in the after hours expressing that maybe it would be best that I pursue other opportunities and that I could see that XXXX was stringing me along. HireRight reported information costing me a job. As a result of this I am now unemployed with bills vastly approaching. I have no way of recoup my losses. I 'm also getting all types of soliciting calls and emails for companies saying things about loans and pay day loans. I didnt receive anything like this until I gave my information to hireright.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CARES ACT there should be NO late payments during COVID. Remove ALL of these late payments IMMEDIATELY, please. 
Account # : XXXX
Product: Credit reporting or other personal consumer reports

sent multiple disputes and response got them deleted off my other credit accounts
Product: Checking or savings account

On XX/XX/year> I deposit a cashiers check for XXXXXXXX XXXX in my Citibank account. The funds came from my primary bank which is XXXX XXXXXXXX XXXX XXXX XXXX in the form of a cashiers check, I withdrew that amount that same day that I deposited the check in my Citibank account. Two weeks later I wanted to withdraw half of the amount I had left in my account which was {$38000.00}, when I tried to withdraw my money, the bank immediately closed my account without any explanations they kept my money and they told me I was to receive a letter in the mail explaining why they closed my account and that I would be getting my funds in a check. I never received neither one. I went back to Citibank to ask what happened to my money, they told me that they miles a check on XX/XX/year> I told them I never got anything. Then, another teller came to tell me that they never mailed any check. I asked them to give me my money as soon as possible because I was counting on those funds to pay for my rent, my car and my bills. They asked me to bring proof that the funds I deposited on XX/XX/year> came in act from my credit union. I went back with the info on XX/XX/year> XXXX XXXXXX/XX/year> with all the proof they needed to ratify that in fact the cashiers check from my credit union was legal and in good standing and Citibank is still refusing to release my money which as of today is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX  XXXX, XXXX   XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Product: Debt collection

I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.