23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian does not help the consumer but only the creditors. 
File a dispute with Experian for an account ( XXXX ) that was charged off. Experian sent me an email stating the investigation was done and a link to view the results. The link showed the latest report which the account I disputed was not updated with the results of the investigation. I screen copied the online report and called Experian. The agent tried to convince me that Experian did an investigation, but they at the least would update the status date, and the had not. XXXX, as well as XXXX have removed the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing a closed account-they are showing an open balance which is incorrect. Both XXXX and XXXX have removed this account-years ago but experian has not even after disputing.
Product: Credit card or prepaid card

I contacted XXXX collection several months ago because of COVID 19 I was not able to make my payment. The collector advised me that it would not be a problem to extend my payment one month. Unfortunately he never extended the account causing it to report to my credit 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the bankruptcy on my credit report since XXXX because Transunion keeps stating their investigation results indicates the information was verified as 100 % accurate, timely and fair. However, we all know that's not the case because as I was already advised, that the bankruptcy courts should be the only data- furnisher and they do not report any information to any credit reporting agencies neither do they report to any third- party agencies such as XXXX XXXX and XXXX. I contacted the Bankruptcy Courts via-telephone and in writing XX/XX/XXXX and received a copy of the letter from the Bankruptcy Courts indicating the above. The letter has been sent several times but it appears as if they are refusing to review my information but have no problem sending a generic e-Oscar letter outlining the procedures of how investigations work. 

As a final attempt to resolve this matter voluntarily, I sent a certified package XX/XX/XXXX requesting a Reinvestigation and Method of Verification to include the following : The complete name of the courthouse, person they contacted and verified the dispute with, the address, the telephone number along with the documentation used to verify the dispute. However, still refuses to provide me with the information I requested. They sent a copy credit file # XXXX which included another generic XXXX letter explaining the bureaus procedures but not the procedures they followed for my investigation. 

The severity of this matter is serious since according to the FCRA and the agreement with the Attorney General they are to conduct an independent investigation. Transunion doesn't care about what they are reporting on a consumers report and they are in violation of non-compliance for FCRA section 609 a ( 2 ).

I am requesting that this inaccurate information is removed from my report, and upon completion provide a full printed complete and updated copy of my entire credit file.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. These items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXT ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$16000.00}
Product: Debt collection

I am writing to file this complaint to the CFPB because upon review of my consumer reports, I noticed a collection account was furnished on my report. I was not given any information regarding the alleged debt, I was not given any legal disclosures, nor was I given the opportunity to dispute the alleged debt. I reason to believe this company maybe reporting someone's private medical information which could be a violation under 5 USC 552a of The Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Credit reporting or other personal consumer reports

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for 12,000,000 in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit card

I am an XXXX XXXX military member for over two years with American Express. Under the Military Lending Act, American Express waives annual fees. When I commissioned XX/XX/XXXX I applied for their Platinum card at the start of XXXX. They waived my annual fee the first year due to my military service. The next two years they charged a {$690.00} annual fee. Since the first annual fee charged in XXXX of XXXX I have been trying to resolve this. With emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was denied benefits despite being eligible and being a continued XXXX XXXX member. I have sent verification of my MLA eligibility by requesting records through the DMDC Military Lending Act Website.
Product: Checking or savings account

I am filing this complaint against Bank of America regarding their repeated denial of my chargeback claim for unauthorized transactions totaling {$5700.00}, associated with Claim Number XXXX. Despite multiple communications and requests for a thorough investigation, Bank of America has unjustly denied my claim, alleging that the transactions were authorized without providing adequate documentation or evidence to support this assertion. 

Background of the Issue : On or around XX/XX/year>, I discovered multiple unauthorized transactions on my debit card totaling {$5700.00}. 
I immediately filed a dispute with Bank of America for these transactions, claiming they were unauthorized. 
After my initial claim, Bank of America denied it, stating that the charges were either authorized by me or by someone who had my permission to use the account. 
I requested a re-evaluation of the claim, but despite further communication and my insistence that these charges were unauthorized, Bank of America continues to deny my claim without presenting sufficient documentation or evidence to justify their decision. 
Violations of Regulation XXXX : According to the Electronic Fund Transfer Act ( XXXX ), banks are required to conduct a reasonable investigation before denying a chargeback claim. Based on the bank 's response, it appears that : No thorough investigation was conducted : Bank of America has not provided documentation or proof to support their conclusion that the transactions were authorized. 
No verification with the merchant : I believe Bank of America failed to contact the merchants involved to verify whether these transactions were indeed authorized by me or not. 
Lack of evidence : The bank has not supplied any evidence or reasonable justification that aligns with the unauthorized transactions or my account history. 
Request for CFPB Intervention : I believe that Bank of America has failed to comply with their legal obligations under Regulation XXXX, particularly their duty to perform a thorough and reasonable investigation. I am requesting the following actions from the CFPB : A full review of Bank of Americas investigation process related to Claim Number XXXX. 
A requirement that Bank of America provide documentation and proof of the investigation they claim to have conducted. 
An immediate reversal of the denial and refund of the unauthorized transactions totaling {$5700.00}. 
This ongoing issue has caused me significant distress, and I would appreciate any assistance the CFPB can provide in ensuring that Bank of America upholds its responsibility under the law. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never paid my Banco Popular Mortgage late. I requested all copies of payments made to Popular Mortgage to verify its accuracy and any discrepancies, and Popular Mortgage has continually ignored all of my requests. By law any discrepancies that can not be proven has to be removed from my XXXX credit file. I would appreciate anything you can do for me. Thank you.
Product: Student loan

AES has absolutely been the worst company I have ever had to deal with ever. 

I started getting letters about them being my new student loan servicer. Never once did they say they were taking over servicing of my XXXX loans. As such I was confused when I started getting calls that my loans were past due since the CARES act was still in force and these should have been covered. 

I called AES to figure this out and was given the runaround by an agent and left more confused than satisfied. She never once told me that these were XXXX loans not subject to the act, she just kept saying they don't apply. 

I had to figure everything out on my own and once I got the loan current online. Then to my surprise today I got an alert from XXXX stating that my credit just took a huge dump because AES put 3 alerts on my report that my loans were over 30 days past due. 

I called again and asked what the deal was. The agent claimed that the reporting took place at the end of XXXX and he's not sure why I just got an alert today and why there were 3 separate past due reports. 

Ridiculous. 

XXXX never once reported negative information. In this day and age with such a low dollar loan it is flabbergasting that a company with a brand new relationship with me would go out of their way to report negative information to the bureaus. Especially after the unfair and deceptive calls I had with them and letters I received. 

AES should be put out of business.
Product: Debt collection

Do to this recent derogatory mark on my XXXX credit report iam unable to apply for a auto loan this was reported on my credit XX/XX/2022 this is a result of identity theft I would sincerely appreciate for this to be removed and deleted from my credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these ACCOUNTS WITH THE EQUIFAX  FOR VALIDATION AND IT HAS TAKEN LONGER THAN 30 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated report ( Exhibit 1 ) prepared XX/XX/ with Consumer ID XXXX by Early Warning Services LLC that contains my personally identifiable information that has been gathered and has misused and has contributed toward deprivation of rights and misappropriation of my personal property as a result of the information collected without my written consent. I hereby submit this complaint as a federally protected consumer pursuant to the Fair Credit Reporting Act, Fair Trade Commission Act, Sherman Act and the Graham Leach Bailey Act against the authorized officers, XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) of Early Warnings Services LLC for their participation in conspiracy, unfair and deceptive practice resulting in the illegal restraint of trade, the defamation of character and slanderous hearsay information in consumer reports that resulted in the deprivation of my right to an an account by XXXX XXXX XXXX ( Exhibit 2 ). 
Based on the foregoing, I believe I have targeted on account of race and national origin ( see credentials attached/US passport XXXX and denied a right I am entitled to exercise without good cause shown. I been made the victim of identity theft and what appears to be an data breach for which I am making this complaint against Early Warnings as dispute of unverifiable information and unauthorized reporting of my non-public Personally identifiable information as identity theft, misappropriation, unauthorized use and racketeering activity by Early Warnings. 
Notice to Early Warning Services LLC, I revoke any and all consent to any communication by use of XXXX XXXX and/or electronic agents and demand a response from an authorized officer I have notified Early Warning Services LLC of my right of consumer privacy and Early Warning Services LLC by aggravated identity theft has deliberated encroached upon my right of privacy by an act of XXXX XXXX. I have instructed Early Warnings to promptly Cease and desist the unauthorized use and to exclude from the report information solely as to transactions or experiences between me the consumer and the person ( s ) making the report and to also exclude any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card ( social security card ) or similar device ( social security account number ). Early Warnings has disregarded my permissible written instructions has instead sent me an unauthorized updated report as evidence of identity theft by compelled disclosure of my social security account number. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I revoke any and all consent by Early Warnings Services, LLC and its affiliates heirs and assigns all use of my personally identifiable information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate late payment entries appearing on my credit reports from Equifax. This late payment is inaccurately reported and negatively impacting my creditworthiness. 

Upon reviewing my credit reports from each of your bureaus, I discovered this inaccuracy : XXXX XXXX. 

I want to emphasize that this late payment is not reflective of my actual payment history with the respective creditors. This may has been extenuating circumstances or errors that led to this late payment entries, but this is not accurate representations of my financial responsibility. 

I am entitled to accurate and up-to-date information on my credit reports. Therefore, I request that your bureau conduct a thorough investigation into this inaccurate late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with USAA for an XXXX XXXX XXXX and in mid XX/XX/2022, I struck a deer and the car was totaled. Insurance didnt pay the full amount and left me with a {$250.00} balance. I had to purchase a new vehicle. I called USAA and told them that because I had to buy a new vehicle, I was unable to afford to pay a full payment on the account which was {$160.00}. I made an agreement with them that I would pay {$50.00} a month on the remaining balance until it was paid off. I told them if I get extra money, I will pay it off sooner. They agreed and I confirmed with them that I would not charge me late fees or report it to my credit. They agreed to that as long as I paid the {$50.00} per month which I have been and the loan was current and up-to-date on payments when the car was totaled. They immediately reported my account to my credit as being past due which was not correct and it was less than 30 days when they sent the information to my credit record.
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, XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  attending classes online for XXXX  XXXX college. I received several loans to pay for my schooling. I am also employed with the XXXXXXXX XXXX XXXX  which has a program that I am enrolled in where my payments are deferred each year, which I have to resubmit each year. This year there was a delay in the processing which caused my loan accounts to show 90 day late payments on all of my loans. Once I spoke with the loan department and got everything cleared up they told me all of my late payments would be removed from my credit report. These late payments are still showing which caused my credit score to drop 70 points making it very hard to obtain credit for a new home. I have tried to resolve the issue but was not successful.
Product: Debt collection

Starting from XXXX XXXX 2021 and still ongoing most recently on XX/XX/XXXX, when i sent in a dispute through a credit agency, since then Conns has consistently called me during my work hours after asking them not to since I work on the phone from home, still, they call at least 7 times a day during the workweek, they have verbally degraded me about not paying bills after I explain to read the notes on the account, they get even more aggressive. yelling at me. I advise I can only what is past due when income taxes come around and they said i owe late fees and transactions fee and additional {$1200.00} but when i asked for the contract to verify i was told you don't need that, i am telling you what it say ''. There are causing me so much credit harm and stress. please help
Product: Debt collection

Portfolio Recovery Associates continues to call my phone and my husband 's phone for an old credit card debt which belonged to his deceased father. The first time they called, I was very patient - I gave the last 4 of my husband 's social - which of course - did not match the account they were trying to collect. They also had the wrong birthday because it isn't my husband 's debt. 

The first caller then tried to switch gears - telling us even though the debt wasn't ours and the man it belonged to was no longer alive - we owed it because we are " next-of-kin. '' I had to laugh at that one and  tell him that he was flat out lying to us and to take our numbers off his list. Then a week later someone identifiing herself as XXXX XXXX called again with the same speech.
Product: Debt collection

On my credit report there is a collection account from the company sunrise credit service. I am not aware of this debt. This company failed to put me on notice of this debt or my rights to dispute prior to reporting this on my credit. If in fact this company says they put me on notice, I would like them to provide a copy of a certified notice making me aware of this debt and my rights to dispute with my name and signature prior to reporting this to my credit report.