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

On XX/XX/XXXX, I attempted to create an Experian account in order to freeze my credit. After I input my personal information including social security number, Experian 's system failed to create the account with an unspecified error. 

Since then, I have received weekly emails with the subject, " Action needed, XXXX : Finish creating your account ''. I have tried at least 4 times since the initial attempt to sign in and create my account, but every time see a generic error page titled " Internal server error '' with a support phone number listed as the only contact information. 

On XX/XX/XXXX, I called the support phone number. The automated system could not solve my issue and refused to transfer me to a human operator after repeated requests. This was extremely frustrating, not only due to not being able to solve my issue, but also because the automated agent was very poorly implemented and frequently had trouble understanding spoken or dialed inputs. 

After failing to get resolution from the support phone number listed on the error page, I attempted to find contact information for customer support. There was no email address documented that I could find, only a mailing address. I am not going to mail a letter to Experian to resolve a technology issue. 

After failing to find appropriate contact information, that same day ( XX/XX/XXXX ), I responded to the email address that sent the weekly account creation reminders, XXXXXXXX, with an email that outlined the above information, requested account creation to freeze my credit, and reminded Experian that credit freezes are a consumer right under federal law. 

On XX/XX/XXXX, after no reply, I again attempted to find a contact email, and this time found an address XXXX with some googling. In this email, I forwarded the previous one, reiterated my request, and stated that I would complain to the CFPB if my issue was not resolved. 

I have not been able to get any sort of customer support or human interaction with Experian in the half-dozen attempts to contact them and/or use their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX and XXXX is reporting false information to my credit. I have no clue who this company is. I have no contract with this company. Ive never had an account with this company and I do not owe money to anybody. The information they were reporting simply isnt mine, and they were reporting it to the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date XX/XX/XXXX XXXX XXXX XXXX, amount XXXX XXXX XXXX XXXX account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX paid, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX Date XX/XX/XXXX amount paidXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the dates requested XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and XXXX, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX XXXX ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX, XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from XXXX. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.
Product: Bank account or service

I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called Experian to help me remove a XXXX XXXX XXXXXXXX XXXX XXXX account ( opened on XX/XX/XXXX ) that was negatively impacting my credit score. This was on the basis that I already paid off that account and that there was no reason that that account would continue to negatively impact my credit score. 

After about 11 days, I received an email from Experian stating that the dispute has been resolved, only to find out that the account that they removed on my behalf was the wrong XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, instead of the one opened on XX/XX/XXXX. 

Now, my credit score has dropped XXXX points apparently because of this mistake by Experian. Experian advised me to call XXXX XXXX ( XXXX ), which I did. Unfortunately, a customer service representative from XXXX XXXX told me that they could not reinstate reporting this XXXX account back. 

This is so confusing as a consumer. On the one hand, Experian advised that I should call XXXX XXXX because they are the only ones who could reinstate the reporting of that XXXX account back. On the other hand, XXXX XXXX is saying that they could not do this. 

Please help me because I really need a fair and honest credit score right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. I received a credit monitoring for a inquiry on my credit with Experian from a company I NEVER heard of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for an installment loan. This was on a Sunday. I called them Monday morning and the rep. pretended he could not locate my name in their system. I informed him I had the printout from Experian showing it was their company & to remove the inquiry. The 1st rep hung up on me, the 2nd rep did nothing. I NEVER applied for an installment loan. I kept asking them where did they get my information from, no response. My credit file was obtained illegally by this company.
Product: Debt collection

I have been trying to get this agency to properly validate their claims that I owe them a debt. They refuse to follow the law set forth under the guidelines of the FDCPA and FCRA. XXXX has notified me that they have fraudulently updated my address in my credit profile to reflect an address a XXXX XXXX address which places me under their courts local jurisdiction. I believe this was done in effort to file a default judgment against me in their local courts and illegally serve me. I do n't currently or have ever resided in the state of NV. On several occasions this agency has failed to follow the FDCPA and the FCRA. They have failed to validate the account and mark account as disputed within 30 days of notification of dispute. They continue to attempt to collect on this debt without properly validating this debt. They continue to collect knowing there is misinformation in the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONGS TO ME XXXX XX/XX/2022
Product: Debt collection

I have tried to find the culprit who has made the phone account after I had attempted to call them about it. They said it was made in 2015 but I have not made an account for verizon. My phone at the time was a pay by use type of phone, no contract. The company was XXXX. So when I could not find who could have done this I tried to dispute it online but that did not work. I had received a bill yesterday asking me to pay half of the cost of the collection but I do not see a reason to pay something that I did not make in the first place. I am a service member and I would like to end this as soon as possible that way my home buying wo n't attempts wo n't be jeopardize because of this collection.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$70.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance {$560.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX {$210.00} Bankruptcy XXXX XXXX XXXX Date Filed XX/XX/XXXX Docket Identifier XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX ZXXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance {$4000.00} XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX {$3500.00} XXXX Original XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX Balance {$890.00} XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$620.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$610.00} Bankruptcy XXXX XXXX XXXX Date XXXX XX/XX/XXXX Docket Identifier XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  ( Original Creditor : MXXXX XXXX  XXXX Balance : {$530.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I told Transunion to reinvestigate these accounts : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. Listed as XXXX payment 30 days late XXXX XXXX  XXXX, XXXX payment 30 days late and XXXX payment XXXX  days for XXXX  XXXX XXXX XXXX. 

But how is that possible if the payment date recorded was 10 days late for month of XXXX, and XXXX  days EARLY for the month of XXXX in the case of XXXX  XXXX XXXX XXXX ( Evidence attached ) and if the payment date recorded was 21 days early for month of XXXX in the case of XXXX XXXX  XXXX XXXX ( Evidence attached ) Furthermore XXXX corrected this error on their report in the case of XXXX  XXXX XXXX XXXX after their investigation and is still investigating the dispute against XXXX XXXX  XXXX XXXX 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that aren't correctly.

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 an 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. 1681-2 ( 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. 

This agency is bureau is not compliant with XXXX XXXX credit reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX
Product: Debt collection

I am receiving a letter from Collection Information Bureau, INC ( CIB ), Creditor : XXXX, XXXX, amount : {$680.00}, I have neved received the originall Bill. 
In order to activate XXXX program for my XXXX years old son, I need to submit ALL Original ( or copy ) Bill, CIB refuse to provide me the original Bill, refuse to fax the original bill to Children and Family department, and refuse to colaborate with my case in any manner.
Product: Debt collection

I received multiple text messages from January reading the following : January is a debt collector. We offer payment plans to pay off your XXXX XXXX XXXX XXXX balance. Visit XXXX to get started. Reply STOP to stop. 

I have never had a personal loan in my life so I called to let them know they had the wrong number and I would like to be removed from their list. They acknowledged I was not who they were looking for and stated they had removed me. 

A few days later, I received more text messages. I called again, waited and spoke to an agent. I told them I had asked to be removed and was not who they were looking for. They confirmed I wasnt who they were looking for again and stated that this time I was for sure removed from their call list this time. 

After receiving XXXX messages, I reported the company to the better business bureau. I didnt get a response on the XXXX complaint but was still receiving text messages. I tried to block the number and report as junk and Im now still receiving the same messages from a XXXX number. I am being harassed and this isnt even my debt.
Product: Mortgage

A problem was previously resolved where the mortgage company, BSI Financial, put us into foreclosure for supposed missed payments. We filed a complaint with CFPB Claim # XXXX, and this was cleared up and supposedly rescinded as this was their mistake- we made all of our payments and provided proof. We continued to make payments and again they are saying they did not receive payments for XXXX and XXXX although they have attached proof. Our account manager, XXXX XXXX, calls my home harassing us, and refuses to give my wife any information and says she can not speak to her even though she is listed on the loan. Sometimes she does speak to her and other times she says she can not. We are tired of being harassed. We make our payments timely each month and they cash them, then say they did not receive them. Last time it got to the point that they started foreclosure proceedings. This time they are saying they did not receive XXXX payments and are charging us late fees even though they cashed the checks.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016. XXXX dollars. I was hired by a man named XXXX XXXX, my boss, and I was to cash a check through my Bank of America account. The check came back as fraud and my account was shut down and reported to the XXXX system and I attempted to contact Bank of America and they said there wasnt anything I could do. I would like this to be reported and for this to be off of my report.
Product: Credit card

I have a credit card for Talbots which is managed by Comenity Bank. 
I pay my bills on time and recently began to pay them through my on line banking. Twice I received fees for late payments. The first time I thought it was my fault. The second time, I called. It had taken them over a week to post my payment after they received it from my bank, and therefore they considered me late. They would not eliminate the charge nor could they give me the policy on when payments are posted related to when they are received. 
Since I have done business with Talbots for XXXX 30 years I tried again and purchased something on XX/XX/XXXX and received a bill for {$84.00} on XX/XX/XXXX with a due date of XX/XX/XXXX. I thought that was plenty of time to be paid through my online banking so I paid the bill on XXXX through my online banking but it would not be paid out until XX/XX/XXXX which still seemed like plenty of time to be posted. It was paid by my bank on XX/XX/XXXX. 
Comenity Bank did not post the payment until XXXX  which resulted in a {$37.00} late fee which I think is unacceptable. I will not use my Talbots card again, but meanwhile, this must be happening with other customers. This is too bad as I have been purchasing from Talbots for XXXX 30 years and never had an issue until Comenity bank took over. 
I find their practices " shady '' at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$430.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.