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

I've recently mailed out a dispute letter to Experian regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Experian behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Experian will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone?

Violations committed : Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Bank account or service

On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.
Product: Debt collection

I have requested a copy of my contract multiple times and their only response is that they dont have it. Some of the representatives lie and ask me for my email and pretend as if they will send a copy and I have yet to receive any documentation and it has been 2 months. I have written the company and I have called numerous amounts of time. They are very unprofessional. When I ask to speak to a manager they say that they are all busy. I understand that I have a right to the contract. They charged off the account as bad debt to the credit bureaus without giving me any information. This experience with a simple request has been overall repulsive. I literally had to beg a representative to try and reach out to a manager. Its disgusting.
Product: Credit reporting or other personal consumer reports

am a victim of idenity theft, my information was exposed due to a data breach from equifax, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX BALANCE XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX BALANCE XXXX, XXXX XXXX  XXXX BALANCE XXXX XXXX  BALANCE XXXX ACCOUNT NUMBER XXXX. please remove the following inquires XXXX XXXXl XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filling a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. The situation raises concerns about consumer protection laws, and I request your assistance and assuring that my rights has been upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score dropped 15 points with no explanation other than reported positive notes. No new inquiries, debts, public comments, missed payments etc. 

Unable to speak with anyone regarding specific report. After calling 5 or more numbers I spoke with someone at Experian. She was unable to provide me with information as to why it dropped. The agent advised me to call XXXX who again could only tell me general information on reporting, nothing specific to me or what information I didnt already have access to. 

For a score that can dictate your livelihood, it should be very clear the reason your score dropped with data/facts as to why to support it not an algorithm! Furthermore, someone at the company should be able to address these concerns, review, and correct immediately if its an error.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning, and I cant figure out how they appeared. I check my credit report regularly, but this time, there were discrepancies that didnt make sense. I refreshed my browser to see if it was an error, but the inaccuracies stayed. I hope the documents Ive provided are thoroughly reviewed so I can finally have peace of mind.
Product: Debt collection

I arrived at my apartment and there was not electricity, I went to the leasing office in order to know what was going on and I was told by the leasing XXXX that XXXX XXXX was cut off the service. I called to XXXX XXXX asking why they cut off my service if I was paying my bills on time. The representative told me by phone that XXXX XXXX cut the service by mistaken then I was asking to reestablish the service because there were high temperatures in those days, and he told me that was not possible to do the reestablishing of the present contract and he told me that I should be wait XXXX weeks. I told him immediately that it was not possible for me how can I was going to be XXXX weeks without electricity. After I finished the conversation, I called another provider in order to have a service, however until XXXX days later I had electricity. 

On the next day that issue happened a XXXX XXXX representative called me offering to me another contract and I told him that I had already taken another contract with another company because how was I going to be without electricity for XXXX weeks. 

When I received the last bill from this company, I noticed they were charging to me the termination contract fee. then I called them back in order to ask them why they were charging to me that charge since I did not request the termination of the service. Also, on this conversation they were trying to convince me to stay with them. I told to the representative since the cut off the service without my requirement I was on my rights to looking for another provider to provide electricity inmediatly. Because I explained to him that on my first conversation XXXX XXXX told me that I should be wait XXXX weeks.
Product: Debt collection

paid off ful amount and return all devices to XXXX. my balance with XXXX is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It started with a pre appointment letter in the mail for debt consolidation. When my husband and I called to talk to an agent, we were told that we would not a able to get a debt consolidation loan, even though we were pre-approved, and that our other option was debt negotiation. 

We decided to give it a try and signed our contract on XX/XX/2023. On the XXXX of every month, an automatic payment of {$640.00} was withdrawn from my husbands account. 

We did not receive any kind of update on the progress of our negotiations from Infinite. In fact, at one point I spoke with one of the credit card companies that were now calling me several times a day, and was told they had not received any kind of letter informing them of future negotiations. 

After three months of nothing, we decided to cancel our contract with XXXX XXXX XXXX. I mailed a copy of the cancellation form on XX/XX/2023 and tracking confirmed delivery on XX/XX/2023. 

The week of XX/XX/2023 my husband called Infinite to confirm cancellation, since he had not received a cancellation confirmation email from them. He was told that they did not receive the cancellation form, but could cancel our account over the phone. 

The week of XX/XX/2023, we have still not received a cancellation confirmation email, so my husband called a second time. He was told that our cancellation was set up but not submitted, and they could once again do it over the phone. 

My husband called Infinite again today XX/XX/2023 just to confirm that the cancellation was completed and there were no problems. He was told that the cancellation was complete and that we would be receiving a {$200.00} dollar refund and the remainder of our funds were going towards fees. 

We have paid approximately {$1900.00} to XXXX XXXX XXXX over the last three months. They have not done any work towards negotiating our debts. I feel that it is unfair of them to withhold a majority of our money for services that were not rendered. 

I can not explain enough just how little they actually did. And to say that we will not be receiving a full refund, because we did not cancel within 30 days of signing our contract. When signing our contract we were not informed of this and were told that we could cancel at ANY time. 

Infinite Law Group is scamming people and taking their money! Before this started, I had a XXXX XXXX of XXXX and now it is at a XXXX! None of my accounts had any late payments and now they are ALL delinquent! I was instructed to not make payment and to not answer the calls, and they were doing nothing to resolve the situation! 

The fact that they have a clause in the contract that you cant file a class action suit of any kind against infinite law group is all you need to know about this business. They are scammers!
Product: Debt collection

I have filed dispute with XXXX  and had no success I contacted the collector! ACIMA LLC and requested a proof of ownership with a original contract and they failed to mail me any original documents with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the account I am disputing does not belong to me
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Reference XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report shows a balance of {$250.00} that was already paid in full.
Product: Bank account or service

My problems are presently with Key Bank : 1. My chip-embedded credit card is currently lost by Key. 2. I have no access to my checking account Key Rewards either. 3. Web Site instructions are a sham! 4. Neither Key local nor Key Headquarters nor miscellaneous Key Online bankers are adept to follow through, answer real questions sufficiently. They do not resolve problems this bank creates. This is intentional. Instead, Key bankers shuffle this customer ( I daresay thousands other customers, also ) to and fro, place this customer on endless phone " HOLDS '' ( while they confer with some other banker targeted to forward my call to next ). Once this is done, that banker simply begins the Recycle process all over. Their " poker-faced '' mouths express ignorance and ask customer 's reason for needing assistance. They replay the canned interrogation questions already answered. Once again, the customer must respond and reiterate the same personal details. [ My God! It is my opinion the banking industry itself is the biggest threat to stolen identities and stolen dollars. Industry bankers surreptitiously use their customers! ]
Product: Debt collection

I have received several notices from Midland Credit Management regarding old debts that they purchased. The letters state that " though your account has been charged off and sold, the underlying promissory obligation remains. As the legal owner of this account we are entitled to repayment. If we dont hear from you or receive payment by XX/XX/year>, we will review your account for further collection activities. '' These debts are over ten years old! I continue to receive calls and these threatening notices for several old debts they purchased from XXXX XXXX  and they are also on my credit reports. This has affected my emotional wellbeing worrying about being sued for a debt I am no longer obligated to and continues to impact my credit worthiness.
Product: Mortgage

In early XXXX I was diagnosed with XXXX and was under medical care for 2 to 3 years ; I fell behind on my mortgage payment. Fast forward to today, thankfully I am better and recovered from my XXXX and am financial stable again. I have sent in at least 3 hardship packages over the past year or two between the two servicer 's XXXX XXXX and SN Servicing Corporation. XXXX XXXX offered me a loan modification, and when I accepted the loan modification my loan servicing company was changed, and it went to SN Servicing Corporation. SNSC did not honor the loan modification that was offered to me by XXXX XXXX, this happened early XXXX. Since XX/XX/XXXX I have sent 3 requests to SNSC and my request has been denied every time for -Investor declined loan modification : we are unable to offer you a modification because : Chapter XXXX Discharge where the debt has not been reaffirmed. I can afford to make my mortgage payment now that my hardship is over and still have my life. I have raised my children in this home since XXXX. I was able to get a loan modification for my rental property, and that loan was in the same Chapter XXXX. It is not clear as to why SNSC can not offer me a loan modification ; however they did offer me a collateral agreement with a {$35000.00} good faith payment to pay in a short 3 days of time. I asked for more time and it was denied by the serving company representative managing my loan. Although I am struggling overall, I am still trying to come up with the $ XXXX and not given enough time I am afraid that my home will be foreclosed on me. Given only 3 days time to come up with $ XXXX is harsh and unrealistic. Besides that, I feel the investor on this loan can extend to a loan modification now that I am financially and healthy stable. Also, I believe there is a violation of dual tracking throughout this whole process.
Product: Payday loan, title loan, personal loan, or advance loan

I have an account with NETCREDIT, they have continuously approved me for a credit line. However, I had a legal name change and need to update account in order to process a line of credit and access some funds. I have tried for TWO years to request that they change and update my legal name on my account but although they confirm my request, they continue to ignore my request. They will not update my account. I have provided all of my ID information, copies of ID, including a copy of the CERTIFIED COURT ORDER so that they can update the account. They continue to ignore my requests, but yet, I respond to all of their requests. And in the meantime, they just continue to deny my request for funds due to " unable to verify ID ''. They are just sending me in circles and refusing to assist. I do not call it in because 1 ) you still need me to send you the documents and 2 ) I am profoundly deaf. Very unprofessional, unethical company practices. 

Please insist that they respond and handle my request accordingly. Thanks.
Product: Debt collection

My social security number has been comprimised and I am receiving debt collection calls regarding XXXX XXXX Unpaid bills. I mentioned to the the debt collector that it is fraud. They insured me that they flagged it as fraud. I recently received my credit report and it shows as uncollected. I never lived or have any knowledge of the address of service. Its located in a different state that I never visit.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Now XXXX XXXX XXXX XXXX XXXX XXXX was bought out by XXXX XXXX. 
XXXX report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
XXXX XXXX ( Auto Lease ) XXXX report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/year>. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Report Errors and Collections Dear CFPB, Equifax failure to correct the disputed accounts in accordance with 15 U.S.C. 1681 ( i ) is a violation of federal law. As of this date, I demand : 1. Immediate removal of the erroneous entries.

2. A written confirmation of corrective action within 5 business days.

I demand that Equifax immediately cease and desist from reporting inaccurate and unverified debt information in my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I dispute : Disputed Accounts with Creditor Names and Account Numbers : Collection XXXX : XXXX XXXXXXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Over 120 Days Past Due : XXXX XXXX XXXX XXXX XXXX Equifax previously reported these accounts as verified, but I requested proof in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) AND Fair Credit Reporting Act 609, and Equifax has failed to provide any of the following : 1.Verification documents 2. Name of the original creditor 3. The creditors address and telephone number 4. Name of verifying individual 5. Copy of contract between me and Disputed Creditor 6. Purchase agreement of debt 7. Insurance claim documentation 8. CMI ( Credit Management Information ) with original creditor 9. Statute of limitations documentation 10. Date of last missed payment 11. The documentation used to verify the dispute If Equifax is unable to respond in a timely manner and provide the above items, please delete the accounts from my credit report to prevent further damage and if these actions are not completed promptly, I will pursue statutory and punitive damages under 15 U.S.C. 1681n.

Equifax intentional non-compliance will also be reported to the FTC, CFPB, Florida Attorney General and state regulatory agencies.

Remove these disputed accounts immediately and permanently, ensuring 100 % accuracy and send me a written confirmation of corrective action within 5 business days.

Documentation : Complaint ID with CFPB # XXXX and # XXXX Also, as asked Equifax before, they need to please correct and delete the following personal information : Incorrect Current Address : Delete Employer History : Delete Address History :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate