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

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom it may concern, Re : Dispute of Inaccurate Reporting Account XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the information reported by XXXX XXXX and XXXX ( account number ending in XXXX XXXX XXXX  XXXX ) that appears on my Experian credit report. I believe that the information reported is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I request immediate action to remove this information from my credit file. 

According to my records, the balance on this account was charged off on XX/XX/XXXX, and the debt was sold to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Furthermore, on XX/XX/XXXX, XXXX XXXX XXXX relieved me of any further obligation to this debt and closed the account. 

However, I have discovered that this account continues to show as a balance owing to XXXX XXXX XXXX XXXX {$4100.00} on my Experian credit report. This is a clear violation of the provisions under the Fair Credit Reporting Act, specifically : 15 USC 1681e ( b ) Requirement of accuracy in credit report information 15 USC 1681i ( 5 ) ( a ) Duty to correct or delete inaccurate information Despite my previous attempts to request deletion of this incorrect information from my credit report, Experian has not responded appropriately. Experian have indicated that this account was " verified, '' but based on the above facts, it is clear that this information is inaccurate and needs to be removed. Other inaccuracies include late payments in XXXX of XXXX of 60 days late to 120 days late in of XX/XX/XXXX which is only 30 additional days and it was true would be 90 days not 120 days, I have given Experian 4 attempts to correct these inaccuracies. 

Therefore, I am requesting that Experian remove this account from my credit report in its entirety, as the debt has been sold, and I no longer owe any obligation to this account. Should Experian fail to delete this information from my report, I will be forced to take further action, including pursuing monetary damages for the continued inaccurate reporting under the provisions of the FCRA. 

Please treat this letter as a formal request for the immediate removal of this account from my credit report. Under the Fair Credit Reporting Act, I expect to receive a resolution within 30 days of receipt of this letter. 

If you require any additional information to complete your investigation, please let me know immediately. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that I had a hard credit inquiry with XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I called the listed number and the agent I spoke with verified they have no data for my name or social and no information about an inquiry for auto financing. She directed to me to dispute the inquiry because there was " nothing they could do. ''
Product: Credit reporting or other personal consumer reports

Thank you for your help, my complaints is about Transunion because they kee bringing in my credit report a debt that was on collection and is PAID OFF with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an account on my report twice. XXXX XXXX and XXXX is the same company. There are multiple inaccuracies within this information and needs to be deleted. The collection company is the same. The creditor 's names are different but XXXX changed their name to XXXX XXXX which makes this the same company. Amount owed is the same. Account numbers are the same. Delinquency dates are the same. This account is the same account reporting twice and it needs to be deleted. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$280.00} Amount {$280.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Number # # # # # # XXXX Last Payment Date Date of First Delinquency XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at checkngo in XXXX the first call in which the woman was very nasty and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
Product: Debt collection

Debt collector is requesting additional fees not agreed upon with original creditor of XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to Portfolio and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Product: Bank account or service

to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.
Product: Vehicle loan or lease

On XX/XX/2014 I was added to a loan as a co-signer electronically by USAA without my consent or knowledge. I have made several phone calls to resolve my removal from the fraudulent loan as well as obtaining a police report and subsequent investigation into the matter. I am still on the loan and the bank has not gotten back to me at all about the removal and/or correction of this matter. This has affected my credit and hindered my ability to obtain other loans. It has been well over a month.
Product: Payday loan, title loan, or personal loan

I took out the loan XXXX XXXX 2022. My car was repossessed on XXXX XXXX 2022. My fiance grabbed the wrong title and sent it off by mistake, they tried calling me two times I guess to make me aware of this but I work in a rehabilitation center where we can not take our phones due to confidentiality they never left a message they never called my references they never called my job they just came and took my car. I have talked to a supervisor 's I have talked to the title department or talk to the repossession department they want me to pay {$500.00} just to get my car back I feel like this was taken on false also when I called to go ahead and pay the {$500.00} through my bank account they told me that XXXX payments were not accepted on the website and on my contract that I signed it clearly states that XXXX payments are accepted
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a formal complaint with the CFPB against Bank of America, they inquired on my credit without my permission months ago, I got a call from BOA one time and they pledged to investigate and remove it, yet here we are several months later and I STILL have their inquiry on my personal credit report. This is unacceptable.
Product: Checking or savings account

This Complaint is against Bank of America, XXXX, Florida XXXX XXXX. 

The bank issued a Check, a Bank check through my, Make a payment area of my checking account. Its actually a check the bank writes then mails on set date. 

Thay wrote check, mailed it. It apparently CLEARED the day it was written mailed. The check was Not received by the party Check was mailed to. 

This clearing of a check has never happened in over 3 years I've been having bank issued checks sent for this payee. As stated Check was NOT RECEIVED by party yet Bank took the amount Out of my Account leaving me a Negative balance thus cause other payments to Bounce/Return payment costing me even more Money. I didn't get chance to deposit more money to cover the first Check/payment due to Bank 's Immediately taking amount of that payment, {$560.00}, thus leaving me- {$420.00} dollars overdraft. Fees to my account were charged by bank immediately of at least XXXX dollars. Plus the Outstanding overdraft. I have not made deposits due to Bank unjustly removing Cash from my Account BEFORE PAYMENT CHECK WAS RECEIVED.
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. 

-Account : XXXX Account # XXXX -Account : XXXX  Account # XXXX -Account : XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXXXXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX XXXX XXXX Account # XXXX -Account XXXX Account # XXXX -Account : XXXX Account # XXXX -Account : XXXX XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX  Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX -Account : XXXX XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 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. 16815-2 ( 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: Mortgage

Hello, my name is XXXX XXXX XXXX took loan application as a primary residence occupancy loan. They have arbitrarily changed my loan to a secondary without my consent, in addition new rates and fees have been applied including interest rate and insurance. 
My contract was based on a occupant for a primary residence. Im being forced and ignored. 
My loan number is XXXX with banc one Mortgage corporation The purchasing property address is : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have signed the purchase contract as primary residence. 

my contact number XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

We use bill.com to process International Vendor payments. 

Bill.com changed the payment currency for a number of our foreign vendors from USD to XXXX without our consent or permission. 

The result is a number of our vendors were paid less than expected for their monthly contractual payments. 

Bill.com did not reach out to us to seek our permission- we were told these changes were part of a 'product update ' In addition, bill.com has been offering deceptive financial offerings to our vendors ( 2000 plus ) to choose their local currency for payment. The exchange rates are not disclosed to us or our vendors and these rates are far less than those offered by local banks/financial institutions. The end result is our vendors are paid less than expected and as an organization- ( out of goodwill ), we make up the difference. 

We have repeatedly requested bill.com to stop these deceptive marketing/financial practices but they have ignored our requests. 

Thank you in advance and please reach out to me if you have any questions or need any additional information - Best, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Victim of scam via Venmo. Venmo does not do enough to protect consumers from scams. Notified Venmo immediately of scam who refused to help and said it was my fault. Contacted XXXXredit union who cancelled ACH transaction to protect against fraud and an authorized transaction. Receiving threatening emails and now a phone call threatening to send me to collections for {$790.00} debt I do not owe. Not my fault Venmo paid scammers and did not protect their customer. Person on phone would not help resolve the issue and demanded I pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX  Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a Zereo Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit thinks they are above the law, rules and regulations of the FCRA.

according to current FCRA LAW : Under 605C, Background Check providers must comply with the following timeframes : 4 business days - They must block adverse information from appearing on the Survivors Background Check within 4 business days.

5 business days - They must notify the Survivor ( or his or her representative ) of actions taken and/or attempt to resolve any deficiencies if they are unable to verify proof of identity, Survivor determination, or identify adverse information. 

THER IS NO TIME OUR LIMITATION LISTED FOR BLOCKING OR REMOVING... if they do not, they are BREAKING THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a late payment XX/XX/2022 in the amount of {$99.00}. I was going to pay the entire credit card off and close the account XX/XX/2022. I talked with a representative and they advised if I had paid {$100.00} they would delete the late payment from XXXX. However, they never did. I talked to a supervisor and tried to dispute but they insisted that they couldnt take the late payment off. After someone told me that they would, they even placed me on hold In XXXX to talk to someone higher up so Im not under standing where the confusion had gone. I asked if they could look in to the recorded call from XX/XX/2022 to investigate and they refused. When all calls are recorded and monitored. This is with XXXXXXXX XXXX XXXX. I even have a dispute report where they had changed the late payment from {$99.00} to {$0.00} being past due then a month later changed it back to being past due. The confirmation number with XXXX was XXXX. Where they reported {$0.00} for XX/XX/2022. Then XXXX is the confirmation number with XXXX where they put it back on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep frustration, anger, and disbelief over your mishandling of the fraudulent account on my credit report. Despite multiple attempts to resolve this matter and submitting all necessary documents, including the FTC Identity Theft Report, this fraudulent account remains unresolved. Consequently, my credit report still contains inaccuracies that are significantly affecting my financial situation and peace of mind. Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

SMALL BUSINESS ADMIN XXXX.
Product: Credit card or prepaid card

On XXXX, I received a Mastercard from US bank ending in XXXX which I never applied for. I contacted US Bank and have closed the account and opened an investigation. They told me the account was opened around XXXX on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from XXXXXXXX XXXX XXXX XXXX informing me that my personal data had been breached. There's no telling when this breach first occurred but as a result my name, social security number and address were compromised. On XX/XX/year> I noticed the following fraudulent account on my XXXX credit report ; ( L J Ross Associates INC. XXXX XXXX XXXX XXXX XXXX filed an Identity Theft Report with the FTC and forwarded this report to XXXX and L J Ross Associates INCXXXX XXXX XXXX XXXX  on XXXX making them aware of this fraudulent activity. I asked them to immediately remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ) and also under 18 U.S. Code 1341 ( Frauds and Swindles ).
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Transunion Credit Bureau regarding their handling of my

identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from Transunion.

I have submitted three separate complaints to Transunion on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately 90+ days since my initial complaint, and I have not received any acknowledgment /response from XXXX, nor has these fraudulent account been removed. 
The lack of communication and action from Transunion has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that Transunion addresses my complaints promptly and takes the necessary steps to rectify my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX  XXXX/ACCOUNT # XXXX ) Has violated my rights- 2XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 3XXXX ( XXXX XXXX XXXX # XXXX ) Has violated my rights- 4- XXXX XXXX XXXX XXXX # XXXX ) Has violated my rights- 5XXXX ( XXXX  XXXXACCOUNT XXXX XXXX ) Has violated my rights
Product: Mortgage

Each time I make a payment I see that NewRez has a late charge balance of {$290.00}. I am questioning the validity of this charge and would like to know where the charge is coming from as I have never been late with NewRez. Furthermore, I have attached my discharged bankruptcy and advise that I do not currently owe any debts and would like for NewRez to stop requesting this erroneous late charge.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.