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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX ATTN RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 
They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the unresolved issue with my open account, despite numerous attempts to dispute and rectify the situation. 

It has come to my attention that there is an inaccuracy in my open account, specifically pertaining to a late payment that has been erroneously recorded. Despite my repeated efforts to dispute this discrepancy and provide evidence of timely payments, the issue remains unresolved. 

This oversight on your part has had a detrimental impact on my financial standing and creditworthiness. As a responsible customer, I have upheld my end of the agreement by ensuring timely payments and fulfilling all obligations outlined in the terms and conditions of my account. However, the presence of this late payment on my account unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct this error and ensure that my account accurately reflects my payment history. It is imperative that the late payment is removed from my account without further delay to mitigate any further damage to my credit score and financial reputation. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers who encounter disputes with their accounts. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Product: Credit card

I wanted to use my credit card to purchase tickets for the upcoming XXXX XXXX XXXX in XXXX ; tickets were allocated through a lottery when if the lottery was successful the credit card on file would be charged immediately. I notified the bank that the charge would be coming not to reject it ; three days later when the charge came through it was rejected by the bank cancelling my application for tickets automatically so now I lost the tickets I was allocated. My request for processing this information is in their system in my account and still the charge was not processed
Product: Credit card or prepaid card

A square Inc. card reader was received in the mail a couple of months ago. Unable to send back as the address is very generic. On XXXX, a debit Mastercard was received in the mail. A call was made on XXXX to Square Inc. to advise this was not ordered or opened by myself and requested the account closed. The representative would only say they will escalate it and let us know
Product: Debt collection

Keeps contacting me. Said they would mail some information but never did. I do not have any outstanding debt and frankly think these are scam phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states on their website that : " Closed accounts stay on your credit report for up to XXXX years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to XXXX years from the date of first delinquency. '' However, they list a closed account where my last activity has been confirmed on the Equifax report as well as the credit company that the last activity was in XX/XX/2010, which is more than XXXX years ago. I submitted a dispute to them, and they verified with the credit company again. The same fact was reported back to me that my last activity was in XX/XX/2010. Yet they refuse to remove this closed account. There was never a late payment or collection.
Product: Debt collection

Have been actively trying to work out a loan modification with Select Portfolio Servicing since XX/XX/2017. Submitted the initial package and have been sending required information as and when requested. The issues are that this information is sent over and over. We recently received notice that the property was scheduled for foreclosure auction. We immediately called and were told not to worry, that due to us being in the process for a loan modification that the auction would not proceed on the day stated. More requests came in form information ( that had been supplied several times, and receipt acknowledged by their website and via representatives we spoke to ) and this information was sent. Again the representatives of SPS said they had received the requested information. We then received a letter that the loan modification request would not proceed as they had not received the requested information, in spite of their representatives stating they had received everything that was requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], XXXX XXXX XXXXXXXX ], [ XXXX XXXX ], are not complete and accurate. 
[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
[ XXXX XXXX ] open date is not reporting correctly, date last active, balance is not correct, date of last payment is not correct, this account is not accurate.
Product: Debt collection

Week of XX/XX/XXXX, a call was made to a debt collection company. I received notification in the mail about the debt and the notice said that they are willing to offer a settlement. We received the settlement offer with a due date of XX/XX/2018. We agreed and asked for the settlement offer in writing or in an email. They refuse to put the settlement offer in writing. They call every other day asking for payment - even though our settlement agreement had a due date of XX/XX/2018. We have asked repeatedly for a settlement letter for our records and they repeated say they can not do that. Without proof of the settlement offer they agreed to, it is their word against ours for the settlement amount. And now they are calling every other day, as recently as XX/XX/2018, asking for immediate payment. When we mention the settlement offer and the due date, they say they don't know what we are talking about. Then after we push the settlement issue a little more, they suddenly find the settlement agreement. But this is exactly why we wish to have the offer in writing. As soon as we get the offer in writing, we will make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX XXXX in XXXX  and expierians Data breche, Im a XXXX XXXX died and left our name a mess most our credit report was mixed up.. 
And due to information on the web I can use my credit or nothing please help.
Product: Debt collection

Paid monthly installment this morning on line and received text to contact them this afternoon to collect same debt. Number given was XXXX. Rep I talked to admitted eh could see that payment had ben made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Auto Finance, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I opened a new checking account at HSBC and was told that I would receive {$200.00} for doing so : New account application ID # XXXX You will automatically receive the {$200.00} Welcome Deposit in your new HSBC Choice Checking account approximately eight weeks after completing all qualifying activities. It's that simple. 
Now they are telling me they can't find my bonus money and keep wanting me to call back and they still do nothing but want another call later. 
I want my money and they are defrauding me with their false advertising of that bonus cash.
Product: Checking or savings account

One unrecognized charge from a popular supermarket in Florida ( XXXX ) happened back in XX/XX/XXXX for {$1000.00}. Another unrecognized charge from the same supermarket but different location happened on XX/XX/XXXX for {$800.00} and another unrecognized charge from the same supermarket but different location happened this year on XX/XX/XXXX for {$900.00}. It is pretty clear that these charges are fraud and my money was taken from my account. I reported the charges to my bank but they haven't been able to credit that money back to my account.
Product: Debt collection

On XX/XX/2016, XXXX XXXX XXXX reported a medical balance in the amount of {$2800.00} to all credit reporting bureaus through their collection agency R.S. Clark and Associates. 
This happened after repeated attempts by me to contact them about a procedure that was botched by the doctor. R.S. Clark and Associate sent several letters to me threatening to report it to the credit bureaus if not paid in full, which they did. 
I went in to XXXX XXXX office for one XXXX  on my knee and was talked into having 5 procedures on my XXXX  ( as a medical necessity according to XXXX XXXX ). He was paid over {$11000.00} for these procedures and during the last procedure ( which happened to be the only one I asked for ), he failed to completely numb the location or remove the XXXX XXXX ( which was XXXX ). I went back and told them and was ignored. I have before and after pictures showing no change, just bruising. I am not going to pay for a failed result.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX XXXX XXXX ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading. 
I formally request : 1. Provision of the 1099-C Form : If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance. 

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately. 

4. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX ) be released to me, as the debt has been effectively discharged under the law. 

I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

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

There is no company to file... background report show inaccurate info. 

Shows a former address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX At one time we were told someone there was trying to steal my identify and I made my credit search receive a two step authentification. 

Shows my former names as XXXX XXXX XXXX and XXXX XXXX XXXX, neither has been my names ever. 

My wife 's name is XXXX XXXX XXXX. Never has she been XXXX XXXX XXXX Thank you
Product: Debt collection

I never had this conversation. I never authorized this payment. I cancelled it just by chance seeing that it would have been taken out of my bank account. My wages are already garnished. They have sued me, garnished my wages, harassed me at work, etc. It never ends. I have paid XXXX + on these loans. With interest the way it is I will never pay them off. It has affected my credit score, ability to buy a home, afford a car, afford to rent. Enclosed is the email I got today. Again, this conversation never took place. 
" Dear XXXX : During our telephone conversation on XX/XX/2021, you authorized us to make a one-time debit from the checking/savings account below to pay your student loans. 

Payment Details Borrower Name : XXXX XXXX XXXX Payment Amount : {$86.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Primary Name on Checking/Savings Account : XXXX XXXX XXXX Confirmation Number : XXXX Please retain your Confirmation Number as receipt of payment. 

The Payment Date above is the date on which we will apply the payment to your student loans. However, please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. 

PLEASE NOTE : Your telephone authorization does not permit us to make any debits other than this one-time request. It remains your responsibility to make payments according to the terms and conditions of your promissory notes. 

QUESTIONS? 
If you need further assistance, please visit http : //www.aessuccess.org/contact/index.shtml and choose a contact option. If you prefer to email us, the best course of action is to sign in to Account Access and submit your email using the " Contact Us '' feature.

=============================================================== Do not reply to this email. If you have questions regarding this email, please contact our technical support staff at XXXX. 

This email contains privileged and confidential information intended for the above addressee only. If you received this email in error, please delete or destroy this email and/or attachments. 

AES will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this email.<p style= '' text-align : left ; '' >NMLS # XXXX <a href= '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =============================================================== ====================================================================== The information transmitted is intended only for the person or entity to whom it is addressed and may contain confidential material. Any use of this information other than by the intended recipient is prohibited. If you receive this message in error, please send a reply e-mail to the sender and delete the material from any and all computers. 

Code : PHEAA ''
Product: Credit card or prepaid card

I am filing this complaint because a transaction was made on my account on XX/XX/2021 in the amount of {$180.00}. I contacted the store on XX/XX/2021 directly and the store manager was no help. So I contacted corporate as well on XX/XX/2021 and they informed me that I would have to contact the institution in order to get my money back. Unfortunately the card is my child support card so I am unable to get a hold of anyone. These charges occurred in New York. I live in IL and have never been to New York. I feel like I am being punished for someone stealing my card information. I have canceled the card and requested a new one.
Product: Checking or savings account

I had my unemployment deposited to my PayPal account. That was XX/XX/2021. They have since not let me withdrawal it and at first told me to wait 180 days. Its way over 180 days and Im still waiting and they told me to wait till I receive an email anytime between now and 20 years from now. I have over XXXX in my account.
Product: Debt collection

Koalifi/XXXX XXXXXXXX XXXX XXXX me approximately {$3300.00} to have my vehicle repaired and I could get back to work. They told me the interest rate was 25 %. That's what I agreed to. I noticed out of making weekly payments for about 2 years that it seemed a long time so I tried to get in and look at my account. Each time I tried to get into my account. They were supposed to email me a code and each time they didn't email it. Eventually I got in and noticed that I had paid them approximately {$6400.00} which is over twice what I borrowed. Now they're telling me that I agreed to pay 2 and 1/2 times the amount borrowed back. I believe this is unfair and not accurate. They're still trying to get more money out of me which I will not pay since I paid over twice of what I borrowed
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, When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) .as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX 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 item of information contained in a my file at XXXX and XXXX 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 item 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 acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Product: Debt collection

( Jefferson Capital Systems LLC ) At ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ) Has Been Sending Me Collection Notices In The Amount Of ( {$720.00} ). The Collection Has Been Reported As A Pasted Due Balance. I Do Not Know This Company. I Have Never Done Any Business With This Company. This Company Does Not Have A Contract With My Signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to dispute a Bankruptcy that is appearing on both my Equifax and XXXX credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both XXXX and Equifax remove XXXX information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both XXXX and Equifax fail to adhere to Metro2 compliance requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX  have not fixed any of the inaccurate information on my report sent all doc 's and all the information they requested