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

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Dear sir, I have received a letter from your company branch addressed XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX with a research request form with my name and address were written already. Even though I do not like to send it back to this office, I feel to be forced to send it back since my name and address have been written by somebody not me. Honestly, as a victim of identity theft, who is not sure how, when, where, and by whom my identity was stolen, this sheet looks difficult to answer back. At least, I know XXXX bank credit card had some issues with illegal transactions and needed to replace my credit cards with this bank needed to be changed. Other two credit cards did not have issues, but I had many mistreatments and some mistakes by the credit companies. However, recently, I have found out there is some issues of misconducts of some employees on my banking accounts in the XXXX XXXX  XXXX, which are beyond my understanding ; therefore, I request your company investigate directly on the XXXX  XXXX XXXX. Also, XXXX Bank has some mysterious misconducts on the joint banking account. Therefore, if you suspect and need to investigate your company should do so to verify your quality of service, since another company in Arizona state has already sent me this information by mail. So, I request research on these my regular banking accounts on these two banks, the XXXX XXXX XXXX and XXXX. Also, I request to check my accounts of XXXX XXXX XXXX XXXX XXXX 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX once again messed up the reporting of my card which is against the Fair Credit Reporting Act. They adjusted the credit history with the agencies and the agencies adjusted my score. After talking to XXXX ID XXXX we discussed the fact that he was going to make sure my payment history was reported accordingly. I told him my score finally went back up but I was unsure of Experian as I had t heard from them. He talked to me on XX/XX/XXXX and he told me he would make sure it was reported with the correct code. As of XX/XX/XXXX, my score increased XXXX points. XXXX then filed a dispute and I got notified in my email. Today i received notification my XXXX score decreased XXXX because i had no payment history. Once again XXXX XXXX is trying to XXXX me over with their reporting as they told the bureaus the card was closed when it was never closed. I received a letter from XXXX XXXX stating it wasnt closed through the CFPB yet they again misreported it! This has caused me to lose a house loan due to their error and if its not recited this week, they will be getting sued! I have made on- time payments since XXXX. The card was open XX/XX/XXXX but not used until XX/XX/XXXX. Payments on time since then. I do have a case and if they do not start reporting it correctly and rectifying the error they made XXXX already, I will file a lawsuit against this company. XX/XX/XXXX it was correctly reported. By the XXXX XXXX again misreported it and the score dropped the exact amount of points! This is not ok to do to someone just because this company is incompetent. It has ruined my life on more than XXXX occasion in less than XXXX! I wont stand for it. They have incompetent staff.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX
Product: Debt collection

I contacted Nicholas financial at XXXX to advise them I was not responsible for this debt. They are trying to make me pay for a car that I bought from XXXX XXXX in XXXX Kentucky in XXXX and had to return in XXXX due to financial difficulties, for less. They claimed to have sold the car and that I still owe roughly {$6000.00} for it, when originally I bought it for {$4000.00} plus tax and interest ( this is an estimate ). They never reported any payments to the credit bureau, however they have placed this erroneous debt on my credit report. I have called and have been told I can pay {$4000.00} but I did not owe that much when I asked them to pick up the vehicle because I lost my job. Ive been hung up on because I told them Id be reaching out to the XXXX ( who instructed me to reach out to the FTC. Please help me get this removed off my credit report.
Product: Credit card

I sent correspondence asking for validation because they kept my presentment but said they need us cash.so I sent another letter explaining finance charge and presentments.did not receive response.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX Entities must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified of a change in my XXXX XXXX by my credit card company. I investigated and found my bank had filed a " delinquent account '' for an unpaid overdraft of {$.00} ( Yes, XXXX XXXX CENTS ) My bank said they were unable to remove this themselves and I would have to contact Experian. 

I tried to create an account on Experian 's website, but their system erroneously said " User name can not include password '' no matter what I entered for a user name, thus I was not able to create an account. 

I tried calling Experian, but none of their phone options matched my desire to dispute an entry on my credit report, and none would connect me to an actual human or in any way offered a resolution.
Product: Credit reporting or other personal consumer reports

This is a list of accounts that should be taken off of my credit report they are listed under regular inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXtransunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Transunion XXXX ( XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Transunion XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This is a very long list and I don't know how they got some of these firms on this list but I know that they are not mine and they should be removed.
Product: Credit reporting or other personal consumer reports

capital one have the wrong date opened inaccurate information... Inquiries inaccurate I GIve XXXX XXXX permission to pull my credit not all them other car loans companies
Product: Credit reporting, credit repair services, or other personal consumer reports

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 .I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I have a closed credit card account with CitiBank. I paid the remainder of the balance of {$790.00} on XXXX/XXXX/2016. I believed that the balance owed was cleared. Then I got a bill in the mail for {$8.00} for interest charged on XXXX/XXXX/16. I called to complain and the customer service rep that I owed interest on the balance because interest was still accruing until the day that I paid. I asked where on the bill does it say that I need to pay by " this date '' in order for the interest to stop accruing? I could n't get an answer. Credit card companies should make it clear you need to pay by a different date and not the payment due date. I asked to have the interest waived - they said " no ''. On the bill it says : " As a reminder, we charge interest on the account balance until we receive payment in full. ''
Product: Credit card or prepaid card

In early XX/XX/2019 I contacted Bank of America about my Alaska Visa Signature Credit Card. I did not like that I was charged interest when I paid my account on time. I was told that the interest was legitimate which I did not agree with and told them that I wanted to close the account. 

I called back in a couple days to close the account and was not told that the annual fee had been added to my final statement. 

When I received my final statement and saw the annual fee charged to a closed account I assumed it was and error and called B of A I was told that it was not an error since I had closed the account 2 weeks after the annual fee was posted. I offered to pay a pro-rated amount for the 2 weeks and was informed by two people that I would be required to pay the whole amount which I think is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit report showed I had an outstanding debt to XXXX XXXX in the amount of {$370.00}. On XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX and paid that debt over the phone. I paid {$420.00}, {$370.00} plus late fees. They emailed the receipts to me. 

On XX/XX/XXXX, I sent a notarized statement to XXXX XXXX requesting they correct my credit file after I paid my debt in full on XX/XX/XXXX and it was still showing as unpaid on all 3 credit agencies. I received no response from XXXX XXXX. 

On XX/XX/XXXX, Equifax updated my credit report with a different creditor name for the same amount and same account number. I have no knowledge of an account with XXXX XXXX and they should not have ANY information attached to my medical records at XXXX XXXX. 

On XX/XX/XXXX, I sent a notarized statement to Equifax, along with receipts from XXXX XXXX, copy of my ID and social security number, and proof of residency. I requested that the incorrect record be removed from my credit file. 

On XX/XX/XXXX, Equifax sent a letter stating that the debt is valid and is still being reported as XXXX. 

It is unlawful for Equifax and XXXX XXXX to knowingly request that I pay the same debt twice. It is unlawful for Equifax and XXXX XXXX to knowingly report incorrect data on my credit file.
Product: Vehicle loan or lease

I was having {$380.00} a month taken out of my checking account by XXXX for a Kia loan. My last payment was for {$250.00} in XX/XX/2021. Kia took out {$380.00} but did not credit me with the {$120.00}. I thought I had stopped autopay so I had made a request of {$250.00} to go to Kia as the final payment. I did not realize I had not stopped the automatic payments. So with the {$120.00} that I should have been refunded and the {$250.00} payment I made through autopay, which I thought was the payoff, that adds up to {$380.00}. I called 3 different times and talked to XXXX, XXXX and XXXX. They all said I was wrong, nothing was owed me. My attorney sent a letter in XXXX requesting a refund. I called the week of the XXXX XXXX to Consumer Service to see why I have not heard from them. I was told Kia 's legal dept. had the letter and they would only correspond with my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Experian was hacked and the media advised freezing all three credit reporting agencies to protect the dark web from selling U.S. Citizen 's personal information, we had Experian, XXXX and XXXX all frozen, and received pin numbers to unlock all 3 when we had purchases we needed to make. That day came today. XXXX executed our request with absolutely no problem. 
However, Experian and XXXX apparently utilizes off -shore customer service personnel who are, ( I will be nice ) completely frustrating, ineffectual and infuriating XXXX. 
They did not accept the pin they issued us. They did not accept the confirmation numbers that were given at the time of last credit freeze transaction. The representatives demanded Mortgage entity information, several other vendors that we pay by credit card, and then demanded copies be faxed with full SSN # s. 
What did we get a pin number for? Can you please help with this issue? These two entities were NEVER easy to do business with, and now it is intolerable/impossible. 
Please Help! Thank you.
Product: Debt collection

I contacted Midland Credit Management and asked for proof of debt with Midland Credit Management and asked for original documents and written agreement with Midland Credit Management showing proof of the debt with them. If they are a debt collection agency and the original debtor closed or wrote off the debt that belonged to me according to 15 USC 1681 S2A1A my information can not be transfered without my written consent and if I did have a debt with an original company other than Midland Credit Management they should have given me a 1099C showing that the debt has been written off and it is now according to the Internal Revenue Service it is considered to be income and that can not be shown on my credit report.
Product: Mortgage

We have a second home in XXXX XXXX, Florida and our house was impacted by Hurricane Ian back in XX/XX/XXXX. We had severe flooding and wind damage. The house had to be completely renovated and was un-livable for over a year. We did have flood insurance and received a claim to cover our damages. We worked closely with US Bank during this process. They set us up on a forbearance program because of the hurricane damage. We worked with their loss payee department during the renovation. Our entire flood insurance claim dollars were sent to them and then they dispersed funds so we could pay our contractors. We agreed that on XX/XX/XXXX our house was completed and we could start making payments again so we signed off on a loan modification program. We made our XXXX, XXXX, and XXXX payments on time on the XXXX of each month as agreed upon. After completing this trial loan modification period they refinanced our loan and we have made on-time payments YTD. 

In XXXX I noticed our credit scores dropped significantly due to the fact that US Bank reported that our mortgage loan was delinquent and we were late on payments. This is frustrating because we followed their recommendations and appreciated their help during the forbearance and loan modification period which they never reported us late but now they are reporting delinquent the whole time which clearly has negatively impacted my wife and I credit report. It just seems unfair and incorrect for them to report our information like this. 

Do you have any suggestions for us to address this? 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dynamic Recovery Solutions keeps sending me a bill that I do not owe. I have contacted them and told them that I do NOT owe the bill, but I keep getting billls from them.
Product: Debt collection

I was sued for an old debt of XXXX in 2012 which was bought by XXXX XXXX XXXX. Settled for XXXX and the court judgment indicated that the debt is Paid In Full once paid off as agreed. The settlement of XXXX was paid off a week ago and I went to the attorney 's office for the final documentation and pay off notice for my records. Frederick J. Hanna & Associates presented me with a paper showing a XXXX balance, I asked why is there a balance showing when the account is paid off and the judgment is satisfied. I was informed that what I agreed to was a " Settlement '' and that I did n't pay off the original balance. I provided him with the court documents from 2012 clearly showing the terms of the agreement and his response was ... he does n't know how the court could write that at the time even though their signatures and the court agreement terms were provided to both parties at the court in 2012. I asked how can you change the terms of the agreement after the Civil Action was filed and completed and considering that the original account was not owed to them? The document clearly shows a balance of XXXX and nowhere does it indicate that the agreed terms were met and the balance paid off as the court required. The attorney said that I paid/agreed to a settlement and did not pay off the original balance so the balance still remains, but if you " read ' the document it 's in there. However, he insisted that there is no balance owed, that the account was paid off and I am cleared. The document is written in a way that anyone can come along and sue me for the remaining balance and I told him that. He insisted that they only had to " read '' the document. It is a clear contradiction of the terms of the court agreement and a direct move to implicate me further in this situation. Had I not met the payment agreement as the court directed, my end of the deal would be null and void and I would owe the entire balance. So how at the end of the contracted agreement can they insert a balance to an account that is PAID OFF, I met the terms when I paid the balance off as agreed? I then requested a payment schedule which was provided but showed XXXX instead because my final on the spot CASH PAYMENT was n't posted to their account and a copy of the Satisfaction of Judgment which I have n't received yet. The attorney told me if anyone asked I could show them the payment schedule and the payment schedule. He also noted that this was their standard letter and it could not be changed. Utterly ridiculous shenanigans! The document does not indicate anything was paid, not the dollar amount, not the final agreement, nothing but a remaining balance and words to the effect that I owe a balance to an account that as of last week has been satisfied and paid off. XXXX XXXX XXXX has clearly reneged on the original XXXX Judgment of 2012 and changed the terms of the agreement after the fact.
Product: Checking or savings account

I bank with chime and they suspended my account for some policy i broke that i wasnt aware of. I have over XXXX in that account and want my money back i even sent them the necessary documents needed to prove where the money came from and still no reply its been a week nobody contacted me or emailed me and after looking at all them reviews i feel like i will never see my money again please help