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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio [ XXXX ] XXXX ( XXXX ) XXXX XX/XX/year> Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Request for Detailed Information on Account Verification Methods Dear XXXX : I am writing to formally request detailed information regarding the method and procedures used by Experian to verify disputed accounts on my credit report. I recently submitted a dispute for XXXX or more accounts that I believe have been inaccurately reported. While I appreciate the prompt response from your team, I would like further explanation of the specific steps and processes involved in verifying the accuracy of these accounts. 
XXXX  XXXX XXXX XXXX complaint # XXXX Please provide detailed answers to the following questions : XXXX. Verification Procedures : o Which tools, resources, or databases are consulted to determine the accuracy of the disputed information? 
o Are there particular industry standards or protocols that Experian follows during the verification process? 
XXXX. Communication with Furnishers : o How does Experian communicate with the original creditor or data furnisher to confirm or dispute the accuracy of the information? 
o What documentation or evidence does Experian require from the data furnisher to validate the account status? 
XXXX. Quality Control and Oversight : o How does Experian ensure that verification processes are conducted thoroughly and without bias? 
o Are there any additional steps taken if the verification results are inconclusive or if the information provided by the data furnisher appears to be incomplete? 
XXXX. Dispute Follow-Up : o If I disagree with the outcome of the verification, what are my options for further action or dispute escalation? 
o How long does Experian retain records of disputed accounts and their supporting documentation? 
Understanding these procedures will help me evaluate the accuracy of my credit report and ensure all information is verified correctly. Your assistance and clarification on this matter are greatly appreciated. Please provide this information in writing, either by mail or via the email address listed above. 
Thank you for your time and attention. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

IQ Data International keeps raising the original debt collection amount. Collection opened in XX/XX/2019 with balance of $XXXX, now it is $XXXX. The account was reporting closed via XXXX XX/XX/XXXX (screenshot of proof provided) and now it has been reopened. I received calls back to back from this company from many different phone numbers and also was left 2 voicemails regarding the debt. The original creditor XXXX XXXX, withheld my apartment deposit to pay towards the collection. That money has not been applied. All previous staff of XXXX XXXX   mishandled paperwork and an Apartment fire resulting in the loss of my apartment and were fired under those circumstances.
Product: Money transfer, virtual currency, or money service

Scam XXXX take my money as the following : XX/XX/XXXX XXXX From XXXXXXXX XXXX wire transfer at second day I got a call : fraud JP Morgan Chase Bank did 7 times wire transfer to the scammer, until today they never call me just keep going sent to scammer. some time receiver also Chase bank 's customer. 

XX/XX/XXXX {$19000.00} XX/XX/XXXX {$57000.00} XX/XX/XXXX {$70000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$20000.00}
Product: Mortgage

My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. 
I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. 
My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.
Product: Credit card

In XXXX of 2023, I submitted a payment of {$100.00} dollars to pay my credit bill. The {$100.00} dollars went to a closed Bank of America Card instead of my current card and payment. I called Customer Service twice during that time, and they said they would send a check. I never received a check. 
I contacted Bank of America by chat today, and the agent said they sent it to the address of the old card, and then ended the chat without resolving the issue. I have all my addresses up to date with Bank of America, and I always had. It was their error to put a payment on an old account, and then for some reason supposedly send a reimbursement check to an old address which doesn't make any sense because I am the only card holder and I don't know why they wouldn't send it to the address on file. 
I have tried three times to resolve this issue. They took XXXX dollars from me.
Product: Debt collection

Receiving repeated calls from radius global solutions about an XXXX XXXX XXXX debt that I do not owe. I advised them not to call me anymore and they continue to call. I advised them they have to stop calling and was told thats not how it works. 
They call from different numbers daily
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16818-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( XXXX XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g XXXX. Fair Credit Reporting Act 15USC S1681 violations for willful noncompliance - 5616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit.
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. 

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
Product: Credit reporting

I received an email updating informing me that some collections which were previously removed from my Trans Union credit report were added back which dropped my score tremendously. I never received any type of written or email notification from them stating that they were going to add these items back to my report and know that they should have send me some type of notification within 5 days informing me of why any changes were incurred. All of these items were previously removed from my credit. When they added the items back to my report, they added them as charge offs which was not the case. Everything that was previously removed was a closed collection. I 'm not sure why they added this information back to my credit report or why it was reported incorrectly. When I called and spoke with customer service, I was informed that this was an error due to XXXX app but that was not who alerted me of these negative changes to my report. This information was displayed on my credit wise credit monitoring app.
Product: Debt collection

With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX open XXXX XXXX  lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a contract with this company XX/XX/2018 to settle debt with 2 online pay day loan companies XXXX  XXXX and XXXX XXXX upon entering the program I owed XXXX and XXXX settle or debt after looking at the account they set up with XXXX XXXX I had funded the account XXXX and only XXXX had been paid to my loan I asked how much do I still owe they said XXXX I said how so withdrew from the program and ask for a refund, I then discovered they had taken over {$700.00} for fees to them selves, I received a email from them that I signed a contract that pays them 40 % of the projected interest and I could receive a refund if I gave proof of no interest I sent them a email from XXXX XXXX no interest XXXX to settle the loan haven't heard back from them they are getting more than the creditor themselves Please help me recover my money.Thank you in advance
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Equifax for several items for dispute. I never heard back from them within the required 30 days and they should take these items off my report since they did not respond in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a hard time getting my free credit report from XXXX they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to XXXX i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
Product: Debt collection

the same original creditor " XXXX " reinsert the same collection with a different Agency " XXXX XXXX XXXX '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it
Product: Debt collection

I submitted a complaint in XXXX, received a response stating my name had been attached to the debt in error and this would be reported to the 3 agencies to be removed from my credit report. 
As of Saturday XX/XX/XXXX this is still showing on my credit report! 
This is the response I received : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX. 
DESCRIPTION OF NON-MONETARY RELIEF Thank you so much for bringing this matter to our attention. We reached out to the original client for documentation showing the consumer is attached to the account. They advised us the consumer 's name was attached in error at the time of placement. Based on this, we have sent an electronic request to the three major credit bureaus to remove the negative trade line. If the consumer has any more questions, she can call our collection manager, XXXX XXXX directly at XXXX Ext XXXX.
Product: Debt collection

I purchased a XXXX vacuum on XX/XX/XXXX from XXXX of XXXX and used XXXX XXXX XXXX to obtain the financing. XXXX sold me a faulty vacuum which stopped working after only XXXX days. I contacted XXXX about the issue and after many attempts of trying to get XXXX to fix the problem, to no avail, I finally returned the vacuum to XXXX. 
I first emailed XXXX, about the problem I was having with the vacuum, on XX/XX/XXXX and their response was " it is to late to return it '' because it was outside their XXXX  day cancellation period ; they didn't even offer to fix the vacuum at this point. 
I continued to pay my monthly obligation until the vacuum was no longer usable. I contacted XXXX again and told them I was not going to continue paying for a vacuum I could not use and they told me I could drop it off and see if it could be repaired. The drop off location and time was either an hour XXXX of my home anytime or XXXX miles from my home once a month. I offered to drive the hour away so I could have the vacuum repaired sooner but after receiving only a text ( no phone call ) from some random Rainbow seller I canceled the meeting. I did not feel comfortable meeting with this person because I was told I had to meet them at a " meeting spot '' instead of an actual place of business. 
I contacted XXXX on XX/XX/XXXX after hearing no resolution from them and made an appointment to drop the vacuum off, but not until XX/XX/XXXX at XXXX because this was the soonest day and time someone would be in my area. 
The representative told me they would look at it and see if it could be repaired and that I would be contacted. I asked about a replacement for the time being, which I was suppose to get according the seller, and was told they had no vacuums to lend out. 
I never received the vacuum back from XXXX and have not had the vacuum since XX/XX/XXXX but continue to have an outstanding balance on my credit report from XXXX XXXX which is now a charge off despite disputing the account many times.
Product: Credit card or prepaid card

Comenity bank has been inaccessible since last week, XX/XX/XXXX to present. Can not login to check balance, says you can make a payment but get a login error when trying to do so. 

As of XX/XX/XXXX they also say their offices are closed due to unforeseen circumstances. still can not access account. Have reached out on various social media platforms, response is auto generated and vague
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I checked my credit report and noticed that I had a few hard inquiries on my TransUnion credit report that I " Did not '' recognize. Upon further investigation, I never gave my written consent to TransUnion to furnish my credit report to the companies listed below. They did not have a permissable purpose... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i ( 5 ) i - Procedure in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I want TransUnion to follow UNITED STATE 'S CONSUMER LAW. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT FOR TRANSUNION TO FURNISH MY CONSUMER CREDIT REPORT TO THE ABOVE-MENTIONED COMPANIES ON ANY DAY.
Product: Checking or savings account

On XX/XX/year> I was sent multiple emails stating that my bank was permanently suspending my account with direct deposited funds made for federal benefit compensation. The bank cited XXXX, an internal reason for the action. This does not clarify why the account have been suspended as it sounds as though an error have been made that misclassified activity on the account. The funds on the account remains unretrievable. I have written a request to reinstate the account sent priority mail sceduled to arrive XX/XX/year> to XXXX XXXX XXXX XXXX, GA XXXX. Further, the action was taken after a dispute which every action taken on my part was in accordance to the agreements governong customer/consumer responsibilities.
Product: Debt collection

I reached out to verify the debt per my right stated in the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ) XX/XX/year>
Product: Credit reporting or other personal consumer reports

Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX, and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the above.
Product: Debt collection

Someone called from XXXX Knows my address and social number trying to collect on a discharged bankruptcy debt past 15 years ago. Fraud debt collection agency
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my identity and wallet was stolen. I recently just received a letter from XXXX XXXX XXXX with an order number and a reference number. I did not sign up for anything my whole life and I am under the age of XXXX. I am only XXXX XXXX XXXX and I did not attempt or wish to make or open an account with this phone company. I did not have an account number with this bill and I dont know where it came from at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX   XXXX XXXX not mine
Product: Checking or savings account

On XX/XX/XXXX ; we received a phone call from XXXX at the XXXXXXXX XXXX XXXX of US Bank. She informed us that she could change our checking account to a " XXXX '' account and this would increase the amount of interest paid. We asked and she repeated that there would be no fees charged for this upgrade. 

On XX/XX/XXXX ; we received a notice in the mail that since we had closed our platinum checking account that we would now be charged a {$90.00} annual fee for our HELOC. We reached out to XXXX and her XXXX XXXX to resolve this and they said that there is nothing they could do. 

They did offer to refund the fee when we receive it if we request it. They admitted that they were at fault and apologized profusely. XXXX received coaching but I am still the person who has to watch an account and request a refund when the fee is placed.