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

I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 30 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 

1. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXXXXXX Account number XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX Account number : XXXX XXXX. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX ) XXXXXXXXXXXX  XXXX 5. The following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX ( Original Creditor XXXX XXXX ) a/c XXXX XXXX. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX  XXXX / XXXX XXXX Account number XXXX XXXX. The following account is reporting late and ive never been late, this inaccurate billing error has not been verified and you also havent responded in 30 days please remove late payments XXXX XXXX XXXX Account number XXXX XXXX following account is not mine and has not been verified and you also havent responded in 30 days please delete XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with company is that when accessing " Dispute Guide '' and selecting " Start a New Dispute '', an error comes up with " We're experience technical difficulties and can not access your report at this time. Please try again later ''. When selecting an account to " dispute this account '' an error comes with up with " We are currently unable to process your request. We've been notified and will actively work on fixing the issue. Please try again later. '' Issue has been ongoing for nearly 8 weeks. Following actions were taken to rectify issue : Spoke with company on multiple occasions. Tried multiple platforms with same error. Had a total of 11 IT tickets submitted from the company. Member services is stating that issue is Dispute Center. Dispute Center is stating it is Member Services. Log of calls and actions listed below. 

Ticket # XXXX original ticket filed XX/XX/XXXX Ticket # XXXX new ticket filed XX/XX/XXXX Tickets issued by membership services Ticket # XXXX new ticket filed XX/XX/XXXX Ticket issued by XXXX at membership services tried experian.com/dispute- same error. Not able to access report. 

Ticket # XXXX-new ticket by membership servicesXXXX XXXX in XXXX XXXX XXXX for screenshots Spoke with dispute center-XXXX on XX/XX/XXXX to have " XXXX '' removed. Said it would take 24-72 hours to correct. Once corrected then try dispute center again. If not working then have Dispute Center open IT ticket. 

Spoke with dispute centerXXXX on XX/XX/XXXX. He updated information to reflect middle name. Stated that it would be updated in 30 minutes to start disputing things online. He mentioned that it was in regards to 13 names showing up " XXXX '' or " XXXX, XXXX ''. 
Results received via email. When trying to access report an error code comes up with " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Spoke with XXXX XXXX very nice ) -dispute center. Stated that the issue would be with membership services for being unable to login. She stated that it was not good that they were giving me the run around and she saw 11 tickets open for the issue. She stated that it would be best to speak to a supervisor. She mentioned that she would file a complaint with management as to getting the run around. Transferred me to a supervisor. 

Spoke with a supervisor ( no name given ) who was very rude. She stated that the issue will be escalated with Dispute Center. However no timeframe given for resolution. Supervisor stated to dispute over the phone or mail. Tried giving them the steps on how error was being received- they didn't care. The supervisor kept repeating to file via mail or over the phone. Asked if they had an estimated timeframe for resolution, supervisor 's response- '' No and we will not create further tickets for your issue ''.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

I disputed this collection on XX/XX/2022 Confirmation # XXXX with Equifax amount {$2000.00} the results stated item has been Deleted from the credit file. 
Name- of collection company XXXX  XXXX XXXX XXXX XXXX Address- XXXX XXXX XXXX XXXX, XXXX, NY XXXX Equifax report if an item states " Deleted '' we have removed it from your credit report and taken steps so it does NOT reappear. 

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection reported back on my credit report again, with a different account. 
I filed a dispute with Equifax and company sent documents from Equifax to Equifax with there letter showing item was Deleted on XXXX XXXX with Address same XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I'm attaching credit report. 

Regards
Product: Checking or savings account

I got a response from a so-called financial institution is reckless because not only they are not addressing the issues, they are not providing evidences that was requested, and they are just re-stating the evidences that I requested. Where are all the evidences requested? 
This is again a generic response to a serious and specific problem because in their response, the cited Section C 13. Which described the Duty to safeguard Account. However, this section specifically addressed everything related to CHECKS, ACCOUNT INFORMATION, PASSWORD ETC. In nowhere that section addresses fraudulent debit card transactions, lost or stolen debit card and identity theft. I see that people at this bank are just referencing policies that have nothing to do with this specific issue just to hide their lack of knowledge and incompetency. The bank itself is not bad, but the people ( from low level to high level position ) make this bank look XXXX! 
This is the last opportunity that I give to these people at that bank to use their common sense and resolve this issue before I take the matter in Court and to my US Senator who is a member of the Senate Committee on Banking. 
I will upload and fax the FTC identity theft report ( XX/XX/2020 ) since you have asked for some additional information without providing any evidences that were requested. Also, this FTC report was done right around the time that those unauthorized transactions were being performed. 
Again, if you do not comply with this request, I will immediately file a lawsuit against the bank because I do have and have presented concrete evidences unlike this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX 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 received a credit card from genesisFS card services. I called them and said I did not apply for the card. I dont want it and I want it taken of my credit report ( including the inquirie. They said they would investigate it and it could take up to sixty days. I dont have sixty days to repair my credit. I need to beable to apply for a place to live. Please help
Product: Credit card or prepaid card

I logged a call to Citibank on XX/XX/XXXX. regarding a credit on my account in the amount of {$900.00} that was refunded from XXXX XXXX on XX/XX/XXXX. I was provided a confirmation number XXXX. I was told by the representative that the money would be put back into my checking account within 3 to 5 days. I've made several calls today only to get the run around. When I request to speak with a manager I either get hung up on or told they don't have one available to speak with. My understanding is that XXXX XXXX only has 7 business days in order to refund. Need help!
Product: Debt collection

Company called an elderly relative and told her about the debt. Woke her up from her sick bed at XXXX am. Threatened to take action. The relative is also on a no contact list. Calling my relatives is totally illegal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX  XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Debt on credit report that doesn't belong to me. On the credit report it states that the account is closed but it continues to report late payments every month. Has been hurting my credit score for the past 7 years.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 card or prepaid card

About XXXX I joined USAA and got their credit card, after reading about them getting fined for violating banking laws I requested that my account be closed and all personal information be removed from their system They cancelled my credit card in XX/XX/XXXX but did not close my account. I called around that time and requested my personal information be removed from their system. The agent I spoke to said that was not possible. 

In XXXX of XXXX I found online that my account was still open. On XXXX XXXX I requested in writing that my information be removed. 
Thinking the matter had been resolved I again found my account still open when I checked on line. 

XX/XX/XXXX I again wrote to USAA Federal Savings Bank asking for my personal information be removed and my account and membership be cancelled. 

Again this was not done. 
XXXX XXXX I called and spoke to a XXXX? went over my issues and requested that my information be removed and account and membership be closed out. 

He informed me that that can not be done per company policy. 

USAA Federal Savings Bank is holding my personal information in their electronic system which is subject to hacking ( XXXX  just recently XXXX. 

This exposes me to Identity theft and major legal problems. 

I don't see how this can be legal activity by a bank or anyone else.
Product: Money transfer, virtual currency, or money service

Paypal case XXXX My credit card company never got the {$44.00} refund that paypal sent. I disputed this transaction to recover my {$44.00} since the credit card company never got the money from paypal. I have record showing I never got the {$44.00} refund. I expect paypal to undo the notice of debit.
Product: Checking or savings account

I deposit a check in the amount of {$5300.00} and when I deposit the check the receipt said they will hold the check until XX/XX/year> and after a few hours I login into my bank account and the hold change from XX/XX/year> to XX/XX/year> the check is from a trust fund from the XXXX bar association which is a settlement.
Product: Credit card or prepaid card

I placed a call into US bank requesting that late fees be waived as I was going to make a payment on the card. The first rep I talked to said that their system is allowing for one fee to be waived, I asked to speak to a supervisor cause I had wanted to get both fees waived. The rep did advise that the {$29.00} fee was the one that could be waived but I asked why not the {$40.00} fee if I am allowed one, she said its cause it was the way it was. I was transferred to a supervisor rep XXXX ID XXXX call reference XXXX, who also advised that their system only allowed 1 to be reversed, I again asked why the {$40.00} fee wasn't the one that got reversed instead of the {$30.00}. She wasn't sure why the previous rep did the {$29.00} instead of the {$40.00} but that there was nothing else that she can do. I feel that the bank had cheated me out of a higher fee to be waived if I was eligible for 1 fee per 12 month period. The rep I had initially talked to did the process so quick that I wasn't properly informed or given a chance to select the fee to be waived.
Product: Debt collection

On XX/XX/2022 XXXX XXXX from Cascade Creditors Service LLC in XXXX, WA contacted my husband and me about an alleged bill for {$1500.00} from XXXX XXXX of XXXX XXXX a general contractor in XXXX XXXX, from whom we requested a bid for a project but the bid was never received, and no contract was generated so was never signed. My husband spoke with XXXX XXXX and explained the situation and she seemed to understand that because no contract was signed and no work was done that we didn't owe the money. Nevertheless XXXX XXXX sent us a demand letter with {$35.00} of interest tacked on bringing the alleged debt amount to {$1600.00}, and saying the amount was already past due. On XX/XX/2022, well within the 30 days allowed, we sent a response letter via USPS certified mail to the po box mailing address provided on their envelope and on their website, but the letter went unclaimed in their po box and USPS returned the letter to us. In this letter, among other things, we requested that they provide proof that we owe this debt, copy attached. We then emailed a copy of the letter and returned envelope to them at the email address provided on their website but received no acknowledgement We then XXXX 'd the original letter to them at the physical address provided on their letter and on their website but per XXXX  they refused the XXXX  delivery so XXXX retained our letter as we had requested a signature as proof of delivery, tracking information attached. Just today, XX/XX/2022, we finally received another letter via USPS from Cascade Creditors Service LLC, apparently they HAD received our email but they never replied to the email saying it was received. They did NOT provide proof that we owe this alleged debt yet sent another bill, this time for {$1600.00}. We suspect that Cascade Creditors Service LLC is a fake debt collector as they are attempting to collect fraudulent debt and didn't comply with the simplest request of proof of debt. If they are not fake, they do not behave in an ethical manner, and are potentially breaking the law.
Product: Mortgage

My mortgage payment has doubled due to the fact that the escrow collected was not satisfactory to pay the tax bill. The escrow collected was on projected {$630.00} of taxes. The actual tax bill was {$4800.00}. Now my mortgage has gone from {$860.00} to {$1700.00} overnight. 

How was escrow of the property so far off? I feel that the lender INTENTIONALLY did not estimate taxes for a new construction to make the sale! The loan was for a new construction investment property, so why didn't the lender use comps in the area for an estimated tax bill rather than use the land value of the lot? 

Why was I not informed of this in XXXX when the tax bill was paid by the escrow? Now I have a {$6300.00} shortage.
Product: Credit reporting

I XXXX XXXX received a update on my credit karma app to see XXXX derogatory marks removed from my credit report which was XXXX XXXX and XXXX including many inquiries that was removed as well. 
about 2 hours later the derogatory marks and inquiries was added back to my report. I also have proof of letters send to the creditor with USPS tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX and XXXX GEM. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on XXXX and Equifax credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With Equifax its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX XXXX Funding has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. This account must be deleted. 

Further : I did NOT give any alleged creditor my explicit verbal or written authorization to hard pull my credit report. The following inquiries are Unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX