23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The allege debtor is violating my Rights by reporting a debt that has been settled with XXXX  XXXX bank and IRS. transaction has been discharged per 1099c this is a violation due to privacy act I did not give authorization to resurgent or Anyone in fact to report on my behalf to credit bureaus this is false and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting or other personal consumer reports

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Type : Collection Agency/Attorney Account Rating : Payment After Charge off/Collection. Portfolio Type : Collection Owner Of Account : Individual Original Creditor : XXXX XXXX XXXX XXXX Placed in XXXX XXXX Last Verified Date XXXX XXXX XXXX Amount Owed {$1500.00} Past Due Amount {$0.00} Last payment {$0.00} Last Payment Date N/A. This is what is showing in my credit report. I have never been to a clinic or hospital of such for services, this account was was opened fraudulent. It could be someone stole my identity.
Product: Credit reporting or other personal consumer reports

I have an account with Citi Card which is on payment plan for 48 months and payments deducted automatically from my checking account. When the program started apparently there was a payment due and instead of making the payment thru my deductions they continued to mark my credit late 30 days monthly for 8 months. I had to make and extra payment when I was already in a payment plan. They should have deducted the amount that they considered late and not ruined my perfect credit. How can a payment be 8 months 30 days late doesnt make sense? I want the credit corrected to never late and taken off my credit report because I have made all my payments on time since we started on the payment plan from my automatic debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On following date my credit reports show this company exposed my reports for non permissible purpose with out my consent. I have contacted multiple times and company insist that there is nothing they can do. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

ON OR ABOUT XXXX, XXXX XXXX HAS BEEN REPORTING MY VEHICLE AS A REDEEM REPO IN CLOSED ACCOUNT ON MY XXXX CREDIT REPORT. THIS INFORMATION IS INACCURATE, IN I WOULD LIKE FOR IT TO BE UPDATED AS SOON AS POSSIBLE. I 'M TRYING TO PURCHASE A HOME, IN THIS INFORMATION THAT THEY HAVE BEEN REPORTING IS REFLECTING NEGATIVE ON MY CREDIT REPORT. PLEASE HAVE THE COMPANY REMOVE THAT NEGATIVE REMARK. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Checking or savings account

I was charging wrong amounts to different companies in the past with Wells Fargo bank
Product: Credit card

Hard inquiry from Belk company dropped my score XXXX points I did not authorize any inquiry and did not fill out any application with this company
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX, XXXX / XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from please remove them as well XXXX  XXXX  XXXX  -XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX  XXXX XXXX I have reached out to FTC and my local police department and I am doing this on my own behalf.
Product: Checking or savings account

XX/XX/year> I deposited XXXX at Us bank into mt checking account the bank didnt deposit my funds and said it was a merchant error .I went to the teller immediately and filed a claim but I am expecting hardship and need me money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name.I requested that these accounts be removed from my credit report but no success. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to conduct any investigations or simply ignores them. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' To date Experian has violated this law at least 4 times with 4 different creditors. I have submitted several complaints on this website and their response is to tell me to resubmit my dispute letters, which results in them doing no investigation. I have contacted the FTC and my State Attorney General. I have also sent one more letter to them in regards to providing proof of investigation. At this point, this is my last resort before taking them to court for violating the law. The following are all of the past CFPB complaints that have not been addressed or investigated to date. Each complaint includes copies of the letters sent and proof ( certified return receipt ) that the letter was received by Experian : XXXX - submitted XX/XX/2020 - refuse to send proof of investigation ; CREDITOR # 1 : XXXX XXXX XXXX - ACCOUNT # XXXX ALLEGED : XXXX CREDITOR # 2 : XXXX XXXX XXXX - ACCOUNT # 2 ALLEGED : XXXX XXXX - submitted XX/XX/2020 - refuse to investigate XXXX XXXX XXXX XXXX, Account # XXXX Pay Status is inaccurate XXXX -submitted XX/XX/2020 - refuse to send proof of investigation XXXX  XXXX XXXX For each CFPB complaint above, I have uploaded all letters and proof of certified return receipt. Experian has willfully not investigated disputes or sent proof of investigation. They are well past 30 days at this point ( a clear violation of the law ) and they refuse to submit a response in regards to investigating. Every letter I send includes a picture of my passport, social security card, a utility bill, and a drivers license. Even with this information, they refuse to investigate and/or send proof of their investigation. 
If this is not resolved, I will contact their attorney 's office to inform them of the lawsuit documenting all of my ignored correspondences.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING A FAX NUMBER ON THEIR REPORTS BUT THE FAXES ARE NOT GOING THROUGH YET THEY HAVE THIA NUMBER ON WEBSITE
Product: Checking or savings account

Navy Federal Credit Union allowed charges to go through on my debit card with insufficient funds in the bank
Product: Mortgage

Reason for Contact : To file a complaint against Wells Fargo Home Mortgage. The matter does not concern the mortgage directly, but it involves their policy in change of flood insurance requirements. Due to their lack of notifying their customers in a timely manner it causes the customers additional out of pocket funds. I received the attached letter XXXX XXXX, dated XXXX XXXX, XXXX that the new policy was in effect as of XXXX XXXX, XXXX. The receipt of this letter was about a month after the effective date and 19 days after my flood policy renewal date. Had I received this letter the beginning of XXXX I could have recalculated accordingly and not have over paid for flood insurance. When I contacted Wells Fargo 's customer service, even though they were apologetic, I was told that there is nothing they could do about it. I was also told if I provided XXXX with a copy of this letter that I could be reimbursed for the over payment of flood insurance. My insurance man submitted all the forms to XXXX and was told it can not be done until the next renewal date in XXXX, meanwhile I 'm out the extra money and feel Wells Fargo should be held accountable for their actions. How can they keep treating their customers with such a lack of respect and continue to get away with it? They need to be held accountable!
Product: Checking or savings account

I deposited a check from selling a vehicle only to be met with a message shortly after stating " Account Restricted. Your account is currently restricted. Please reach out to us as soon as you can for more information. '' I contacted them and after a lengthy hold I was told that my account was marked for closure and the decision was final. That they would mail a check of my final balance in 7-10 days. I asked what the exact reason was and she couldn't tell me why. 

I followed up about 5 days later and received a similar story but that there was no expected timeline and I would get an email when my account was finally closed. I asked for more clarity and alternative options but none were given. 

I am literally sitting in a home without running water because I am waiting on the funds to become liquid, no pun intended, to pay the bills.
Product: Debt collection

I received my first contact about a debt collection in process in XX/XX/XXXX. I immediately disputed with the collection company and the original debtor in writing. As of XX/XX/XXXX I have not received a response from my letters sent in XX/XX/XXXX. This past week I had applied with a rental property to move into a new apartment and I ca n't because this collection was placed on my credit report in XX/XX/XXXX. I had no knowledge of the debt collection nor was I given the opportunity to dispute it, provided any of my rights to dispute, and my XXXX credit score when from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX although I have paid down my personal credit cards and have had no late payments ever since XXXX. I pride myself on my credit and paying all credit card and debt obligations in a timely manner. I was also denied a credit card in XX/XX/XXXX and was n't provided the details of this debt collection except that my credit score was too low. This has extremely impacted me in a negative way and I need to have the collection debt removed from all XXXX of the credit bureaus immediately. I have opened separate disputes with them as well. I appreciate your help and any guidance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraud and identity theft. 

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

I am presenting this follow-up complaint to formally notify Experian, XXXX, and XXXX Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was alerted to a charge off account on my credit report by XXXX XXXX XXXX. I looked and saw an account I did not open - XXXX. Looks like it was fraudulently in my name in XX/XX/year>. I want to know who opened the account, what the charges are for and where the bill was sent. I would not have know about this account but for my XXXX XXXX. This is fraud and someone else opened this in my name and I want to know who did this. I have never received any information about this credit card, uses, authorizations or anything. I don't even have the card, so I want to know who did this to me. I reported this to Experian and they said it looked correct but it is not!! Please help me get to the bottom of this fraudulently opened credit card in my name.
Product: Debt collection

I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX at XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX, TN XXXX or XXXX XXXX XXXX XXXX, TN XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVER BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.