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

I have disputed items on my credit report over 4 times and the only response from EXPERIAN is that its been verified. I have asked EXPERIAN on more than one occasion to show me the burned of proof that these items are 100 % correct and it has not been VERIFIED. I also, asked EXPERIAN to send me the proof and the person who VERIFIED it. Needless to say I received nothing back NEITHER time I requested it. This is a Violation of 15USC 1681. I asked MORE THAN ONCE to send or let see the verifying documents, the persons name who verified them, And what documents was used to verify the items. Never received them out of the 3 times I, requested the documents. It is there responsibility to make sure that All information is 100 % correct before reporting it to a credit report. 1681 a,4. Re-investigation, does not mean I, the consumer prove to EXPERIAN that its no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted.

As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian certified mail in the attachments along with the response back from Experian. Experian also, explained that they do not use other reporting agency for there deputes. With that being said can Experian explain how is the consumer suppose to dispute inaccurate information? Please explain? I do not understand if 1 item has been deleted from the other 2 CRAs and Experian keeps the item as been VERIFIED. How then am I, suppose to dispute that item? which that the case with a few of these items.
Product: Credit card

Fortiva has responded to my complaints They claim that the accounts are paid and closed I have all the records showing this. 
I have contacted the XXXX XXXX XXXX and fortiva asking why I am showing balances on my statements. 
They have not closed any of the accounts and they are still reporting to the credit agencies that these accounts have balances. 
What are my next steps? 
I have paid all.of the balances in full. They are adding charges that don't exist. They added XXXX dollars to an account with a negative balance of a XXXX and the statements is showing a payment due in 2 days? How do I handle this? Why is nobody stopping this corruption and manipulation. I did not use the retail card and it was paid in full. This company says on the XXXX I owe a payment of XXXX dollars and if I don't pay it I will be charged XXXX. This account is XXXX The second account the claimed that is closed and paid is showing a balance of XXXX snd a payment of XXXX dollars coming up in a week. If I don't make the payment I will be charged XXXX XXXX? How is a credit card company legally getting away with lying and making up charges that don't exist. Why is nobody stopping this? The accounts are not closed. They are adding interest and late charges on accounts that should be closed and paid. I did all of this in the month of XXXX and fortiva will not close the accounts. If you go online you can see for yourself the hundreds of complaints that customers accounts remain open and get hit with charges! 
I don't understand any of this! There is nobody handling this. These accounts are not closed and the XXXX statements are not showing. I have contacted this company daily and these criminals do nothing and XXXX XXXX XXXX  doesn't care. Is this what credit card companies are allowed to get away with. When does this madness stop! I need somebody to stop them from doing this. Please someone must contact Fortiva! They should be shut down. They have made up charges and lied about payments. This company should be shut down for this type of abuse on customers. This has been going on since XX/XX/XXXX snd I can not handle it anymore. Since when does a credit card company get to make up fake credit reports and falsify information and send it to a credit agency. Is anybody listening? Does anyone even care how this company is literally ripping me off. I have everything. Every payment and evidence of fraud committed kn them changing a payment directly from the Bank The company has sent you lies! They have done nothing they have said in their responses. Here is what is showing as of today. 
The statements prove the accounts are not closed. 
Fortiva has lied several times to Cfpb and the customer service does nothing They replied the accounts are closed and paid. 
The following documents prove there open and new charges were added! 
But the charges don't exist because the accounts have been paid off. Added are all my payments in the month of XXXX to pay everything off. Included they literally changed a payment amount and used it for a different account and I have proof from the Bank that this occurred.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items was not authorized. 
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 or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX ITEMS IN DISPUTE : collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$58000.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4300.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} late payment : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, 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 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 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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: Money transfer, virtual currency, or money service

received a phone call on XX/XX/2022 from XXXX and stated the operator told me someone was trying to withdraw XXXX from his bank account the chase representative stated I needed to verify security questions account number and pin number user id and password to block the transaction he provided the information to the chase representative to secure my account I started to feel not good about the call and i drove to chase located in XXXX XXXX XXXX passed the phone to a chase representative at the branch and he was trying to verify the person on the call but he could not verify him because all the codes he was providing were expired when they noticed it was a fraud call the individual once the transfer was done hung up my sister drove to XXXX  XXXX in XXXX XXXX. and they were able to put a hold and freeze the scammers account I have tried everything chase started a wire recall XXXX XXXX states they are able to return the money the money is frozen but they need a hold harmless letter i sent the letter to chase but chase has not sent it back to XXXX XXXX I need your assistance to recuperate my money as per XXXX XXXX the individual that did fraud has done numerous frauds and the account is frozen and is waiting for that letter to send the funds back please assist me these are my life savings i have also filed a police report report number XXXX deputy XXXX badge number XXXX I have constantly called chase actively since the beginning of this ordeal and they are not doing anything XXXX XXXX stated they needed a hold harmless letter and they did not provide it they have not done anything to help me in this ordeal I have filed a FBI complaint a federal trade complaint I have also filed a police report and nothing happens XXXX XXXX has the money frozen and they are needing the hold harmless letter from chase its been a night mare and chase has not helped in nothing when XXXX XXXX communicates during the wire recall all they did was send us what XXXX XXXX requested but they did not even reply or make any communication with XXXX XXXX to assist me to get my funds back they have been very negligent in this matter XXXX XXXX has the funds frozen in a jail account and if they don't get a response from chase they will release them to unclaimed money with the government I need assistance to get chase to help me or how do I recuperate the funds
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. I told XXXX XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the ongoing issue with fraudulent items persisting on my account. Despite my repeated attempts to resolve this matter, I find it incredulous that I am now compelled to address this for the XXXX  time. 

The repeated failure to address this issue is utterly unacceptable and reflects poorly on your company 's commitment to customer satisfaction. I have provided ample evidence and cooperation, yet the fraudulent items continue to XXXX my account, causing me undue stress, inconvenience, and financial harm. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this egregious oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account Wells Fargo card services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

I called Equifax and verified myself through alive view app from equifax. She unlocked my report and as soon as the call ended my report was again blocked. i called back in the same day. and was told to send in my license social security card and utility bill. That was 2 months ago. I did not receive any response or neither did equifax unblock my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX FRAUDULENTLY LET SOMEONE STEAL MY IDENTITY AND OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY KNOWLEDGE AND CONSENT
Product: Debt collection

I'm not sure what company this is. All it says on my credit report is Credit Corp Solutions-Line of Credit for {$1700.00}. I have never heard of Credit Corp and I didn't borrow this dollar amount! So I'm disputing these charges!
Product: Student loan

MOHELA sent me a bill dated XX/XX/XXXX that my first student loan repayment was due by XX/XX/XXXX. I paid this on XX/XX/XXXX, though it was well known that student loan payments were not to resume until XX/XX/XXXX. 

On XX/XX/XXXX, MOHELA acknowledged this error and gave instructions to " request that we refund it back to you or apply it toward your XXXX bill. The quickest way to submit your request is to log in and submit a Secure Message on mohela.com. '' On XX/XX/XXXX, I submitted a secure message to MOHELA to apply my XXXX payment towards my XXXX bill. MOHELA 's website says it will take 3-5 business days to receive a response. 

As of XX/XX/XXXX, I have not received a response. My XXXX payment has not been applied to my XXXX bill. I have received overdue notices and threats that my account may be transferred to a debt collector.

When I try calling, the wait time is regularly 30+ minutes. I request a call back and do not receive one. In fact, I have never, ever been able to speak to a human being at MOHELA about my account since it was transferred to MOHELA in XXXX.
Product: Mortgage

I was put into foreclosure by my mortgage company after being late one month and a few days. I entered into a repayment plan full of fees. On my credit report it shows me being late 3 and 4 months there is no way I would have been foreclosed on. I even paid the the repayment plan early. I disputed this credit bureau and they refuse to show I paid on time all those months. Had I been that late they would have foreclosed.
Product: Credit card

After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX 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.
Product: Checking or savings account

The branch that I was forced to schedule an appointment at is at XXXX and XXXX. 
Bank of America claims that my account was closed in XXXX. However it has constantly maintained a positive balance the whole time that it has been " closed ''. I spoke to 5 different representatives, both on the phone and in person, and was given 5 different answers as to when I would get to access my IRS check from the bank that it is in. After the last person I spoke to in person told me that the account was " for sure '' closed, and that they didn't know why I wasn't mailed a check, and that I should have been for the positive balance since XXXX, I was promised that the the check would " bounce '' back to the IRS, that BOA would not accept it, and that once it stopped pending, it would NOT post to the closed account. It is now showing a cleared and posted status on online banking for this " closed '' account. They are keeping my money and not letting me access it instead of bouncing the check like they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police reports. Identifying I am a victim of identity theft. They said they are working on it but sent me this stall letter saying i'm not me. I want to hire an attorney at this point. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified through Equifaxs website that I have been a victim of the data breach of 2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from Equifax and I received no reply.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. These accounts were opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing these accounts from my credit history, as they were opened due to identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX.