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

My complaint against Experian anf XXXX  is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. Experian and XXXX  are not aware of that law. 

Other discrepancies also exist. Experian nor XXXX have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The Experian reporting always lists those terms and they are without credible data. 

I would like Experian and XXXX to correct their reporting and provide me with the corrected report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i kept seeing {$0.00} available credit for last few months and i finally had a chance to call because i was making my payments on time every month so I didnt know what was going on.i emailed them and they said i needed to call so then i emaile again and called and they switched me to a few differant people and finally a rep named XXXX  on XX/XX/18 said they sent me a letter about it in XX/XX/XXXX and i said i didnt get it because then i would be aware of whats going on and she said it didnt get returned so i got it. i said no i didnt now explain whats going on. she said they looked at my credit score and closed my account because they didnt want future credit with a score that was like mine. first of all, they didnt even tell me what my credit score is and secondly ive never missed a payment with them. its always early or day due and its usually a little more than min payment. she said that i will continue to pay and they are going to report it to credit burea and it will effect my credit score negatively. i dont care if they want their XXXX credit card not being used by someone trying to rebuild credit. thats not my issue. my issue is they are reporting me negatively to credit burea and are going to sabotage me trying to clean the credit score up by doing so and she said oh well its going to be reported and u will make ur payments anyways. cabelas club visa is the worst company i have ever dealt with. who out of the blue decides ur credit score is a reason to shut down ur account even though u make monthly payments on time and ruin ur credit even more
Product: Credit reporting, credit repair services, or other personal consumer reports

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them from my credit report.
Product: Vehicle loan or lease

On XX/XX/year>, I made a {$1000.00} payment toward my auto loan. At the time, the total balance was {$6600.00}, which included {$210.00} in late fees and interest. After the payment, the remaining balance was {$5600.00}. The loan 's maturity date is XX/XX/year>. Due to financial hardship, my previous XXXX monthly payments had been returned. To catch up and pay off the vehicle before the loan matured, I planned to make {$1000.00} payments over the next XXXX months. However, when I attempted to log in to my account on XX/XX/year>, I found that M & T Bank had charged off the account on XX/XX/year> - just XXXX days after I made the {$1000.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

the disputed fraudulent information from my Credit Report. I sent a letter dated XX/XX/XXXX to remove the information reporting on my Credit File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, # XXXX & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} CHLD SUPRT XXXXXXXX Balance Owed : {$30000.00} CHLD SUPRT  XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a letter to Experian stating they are in violation of reporting unauthorized accounts on my credit report. I requested for these medical bills to be removed from credit report based on the No Surprises Act and 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) -shall not be any medical bill or information reported on a consumer report. 

On XX/XX/2022, Experian email me the results which contain a few XXXX XXXX and other unauthorized accounts that I notice on my consumer report that I have given Experian any written consent to place any accounts on my report. 

On XX/XX/2022, I wrote Experian another letter requesting fro Experian to delete all the accounts listed in the letter based on the fact I have given Experian the consent to add the accounts to my consumer report. This is based on Federal Law 15 usc 1681b- permissble purpose and 15 usc 1681b ( a ) ( 2 ) - Nothing can be furnished on my consumer report without my written consent.

Experian LLC has broken Federal Law by furnishing unauthorized accounts without my wriiten instructions. Experian also broke federal law when they furnish medical collection as well in which is invasion of my right for privacy,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home ... XXXX   XXXX, XXXX XXXX, XXXX/XXXX  XXXX,
Product: Credit reporting

Hi Transunion has XXXX collections on my report and several has been reaged. 
XXXX open.paid XXXX XXXX open and reaged XXXX open and reaged XXXX open and reaged
Product: Debt collection

This debt was included in my XXXX bankruptcy. I never heard about it again until suddenly, starting XX/XX/XXXX, I got a letter, emails, and calls about the debt. I explained it was included in my bankruptcy and the woman in the phone ( XXXX ) said they'd remove the collection from my credit reports for a fee and I needed to give her my credit card. I hung up and disputed the debt with all three credit bureaus and won. They keep calling me, the latest today. I explained again that it was included in bankruptcy and I know they're trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance Owed : {$12000.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance Owed : {$240.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$170.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit reporting or other personal consumer reports

Hello Destiny Mastercard sent me pre approved invite but once applied it reported a hard inquired i request to have removed
Product: Student loan

I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. 

On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. 

I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. 

On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. 

I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. 

On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I checked my credit score on XXXX XXXX and seen some collections that didnt belong to me so i filed a dispute with transunion. Here it is XX/XX/XXXX and my dispute is still under review, which goes against what is outlined in the FCRA. I know this as I work in XXXX  XXXX  and learning the FCRA is one thing we are required to learn and know.
Product: Checking or savings account

XXXX Bank gave me a {$37.00} overdraft fee. The overdraft fee is what made my account negative. They were unsure what transaction caused the overdraft fee, stating that a {$150.00} XXXX transaction was the XXXX, I stated that my account was checked before this XXXX was sent as I always do, and my paycheck was shown as available. These transactions also were not posted to my account in a timely manner. The overdraft fee was supposedly taken out XX/XX/19 the same day my paycheck funds became available.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I've noticed some inconsistencies that need immediate attention, particularly concerning the following accounts : XXXX, XXXX. XXXX and XXXX XXXX XXXX. 

The company has assured me that they will adjust the status of these accounts to indicate they are closed and were never late. Other credit bureaus have already made the appropriate corrections after recognizing the inaccuracies.
Product: Mortgage

Companies involved : 1. State Farm Bank 2. XXXX XXXX XXXXXXXX XXXX  Amount : {$690.00} XX/XX/XXXX mortgage payment to State Farm Bank This one time payment was submitted by me to State Farm Bank on XX/XX/XXXX by phone, conformation # XXXX. 

Receiving of this payment was recognized by State Farm Bank in the Mortgage Statement from XX/XX/XXXX as received on XX/XX/XXXX. 
In the same statement though on XX/XX/XXXX State Farm Bank does a NSF reversal of $ - XXXX, but this amount was never credited to my account. 
In letter from XXXX XXXX, XXXX XXXX Bank claims that the payment was not honored by XXXX XXXX XXXX with return reason " customer claims debit was unauthorized '' and amount of return funds is {$690.00}. 

I immediately contacted XXXX XXXX XXXX and spoke with a customer service representatives and Claim specialists. All of them assured me that the payment I did was completely valid and the money were transferred to State Farm Bank and that XXXX does not hold any restrictions in file for payments towards them. 
From the XXXX transmittal they provided me, is visible that the same payment was drafted on XXXX XXXX : State Farm Bank 1 Time DFT # XXXX TEL ID XXXX ACH Debit $ XXXX. 
The same information is visible in my on-line bank account and in my monthly statement from XXXX. 

In my last phone conversation with XXXX claim specialist, he confirmed that XXXX consider this payment valid and received by State Farm Bank and provided me with a XXXX # of this transaction XXXX XXXX XXXX XXXX XXXX. And advised me to provide State Farm bank with this XXXX #, for them to trace where actually this amount of money did go from there on. 

Between XX/XX/XXXX and XXXX XXXX I contacted State Farm Customer Service every day and spent hours on the phone trying to find help and solution from them, but they were completely unhelpful, incompetent. I was begging to be transferred to managers or departments. Really pitiful and sad. 
Finally I was advised by them to fax a letter with the description of the problem to their Research Department. This letter I faxed on XXXX XXXX and don't have an answer, still. 

Meanwhile my loan was transferred on XX/XX/XXXX from State Farm Bank to XXXX XXXX and serviced by XXXX XXXXXXXX XXXX XXXXXXXX and as I expected the information State Farm provided them about the loan was that my XXXX XXXX payment was not done. The new servicing Co advised me to pay to them for XXXX and XXXX just not to have problems with them in the future. 
So basically I paid the XXXX mortgage twice. 

And the amount of {$690.00}, withdrawn from my account for XXXX XXXX mortgage payment is nowhere to be found between the two banks - XXXX XXXX XXXX and State Farm Bank XXXX 

It's unbelievable that State Farm Bank wouldn't ever consider to address the issue after so many recorded /I hope/ conversations with their customer service representatives and a faxed letter to their research department from a customer who has no fault at all and paid on time and paid twice???!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though Im ( the living human ) and not ( the entity person ) responsible for the debt claimed below, I have made several attempts in XXXX to offset the debt the accounts claim I owe. All of the accounts refuse to accept the payments I sent them to offset the debt and thus credit scores have been negatively affected and severely hindered the ability to act in commerce! 

So in accordance with the Fair Credit Reporting Act, the accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to all the U.S. Codes : 15 USC 1681, 15 USC 1691, 15 USC 1692, 15 USC 1602, and 18 USC 894.

Also, using my TRADENAME without my express written consent is in violation of the Michigan Legislature - Identity Theft Protection Act 452 of 2004 - MCL Section 445.65. 

The Names reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The accounts in question are below : XXXX XXXX XXXX  - {$1400.00} XXXX XXXX  - {$7500.00} XXXX  XXXX- {$29000.00} XXXX XXXX XXXX {$5500.00} XXXX - {$0.00} XXXX XXXX XXXX  - {$14000.00} XXXX - {$6200.00} XXXX - {$4500.00} XXXX XXXXXXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX- {$3300.00} The ( credit furnishers ) have blatantly violated my consumer rights and acted in restraint of trade which is in violation of 15 USC 1 and 15 USC 2.

Also, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. 

Any other adverse items of information other than the records of convictions of crimes that antedates the report by more than seven years.

15 USC 1681s - 2 ( a ) Duty of furnishers of information to provide accurate information.

Prohibition Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I went to an atm inside a XXXX XXXX XXXX XXXX XXXX XXXX  on Thursday, XXXX XXXX XXXX XXXX XXXX and the atm was working then all of a sudden stopped after i chose to withdrawal {$400.00}. The atm stopped working all together and would not give me a receipt. I went to the gas station tenant and asked about it and even called the atm number. They told me to handle it through my bank. So i called my bank chime and they told me i had to wait for it to clear then can file dispute. I did that. They denied my dispute and said they found no error. I filed again and they sent me information as to the reason why they denied and they keep saying they found no error. The gas station has cameras and I dont know if anyone can view those but i really need my {$400.00} that i never recieved and have wittnesses that i never recieved.