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

Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, As a XXXX XXXX, who has the fraud alert in the United States, I have tried to contact with your company directly and through the Consumer Financial Protection Bureau. This time, I would like to ask one question regarding my credit report. I receive several emails in XXXX days, XX/XX/XXXX and XXXX of XXXX from XXXXexperianXXXX and XXXXexperianXXXX. Regarding the first one, XXXXexperianXXXX, I want to ask one question what account closed at consumers request on my all my XXXX XXXX XXXX, which was closed, and XXXX XXXX which was closed in XXXX. Regarding all of them, I never expressed my will to close these accounts, instead of that I remember to keep them open for the credit score. I request your company to give the explanation. Also, I would like to ask what ND is meant in your company credit report, which we could read in one of my XXXX  XXXX XXXX account. 

Along with them, I want to express the frustration and complaints to receive the credit cards offers from your company email, XXXXexperianXXXX continuously over these months. I express strongly to stop send me these commercial emails, which do not relate with the credit report, especially, now I have strong question and concern why I am on fraud alert in this country, the United States as XXXX XXXX XXXX I received the emails from this address which said 7 % credit usage credit card offer, as one example. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Upon checking my credit score I saw that I have been placed in collections for an account I have never had a contract with. A company called XXXX XXXX XXXX XXXX has illegally obtained my information and SSN and attached fee to my credit report. I do not have a debt with any company called XXXX XXXX XXXX and therefore have no signed legal contract whatsoever taking ownership of said account.
Product: Debt collection

I recently received notice from my current employer pertaining to a Writ of Garnishment filed in the Civil Division of the XXXX XXXX XXXX XXXX XXXX  This was electronically filed on XX/XX/XXXX. My company received the Writ more than 45 days after filing. 

An original disputed debt from XXXX or before was made known to me, during which time I contacted the debt collection agency and requested original documentation. I never received documentation, but continued to receive multiple phone calls after the collection agency was told to cease and desist. This case was closed per the circuit court public records. 

The debt was apparently sold to Absolute Resolutions, who in turn has filed for the Writ of Garnishment with their attorney 's XXXX XXXX XXXX XXXX XXXX. I have not received any original documentation of the debt, with verified signatures. Nor does the debt show up on any of my credit reports. 

An affidavit of the above information is being filed with the Circuit Clerk of XXXX XXXX XXXX  on this date, XXXX XX/XX/XXXX. Pursuant to Fair Debt Collection Acts in Arkansas, this debt would have been considered past the statute of limitations. 

Furthermore, if the court were to find me liable for a debt which has not been proven in a timely manner, it would cause catastrophic financial hardship.
Product: Mortgage

I have been asking for assistance from Specialized Loan Servicing for three years now, due to financial hardship. They stopped taking any payments from me since XX/XX/XXXX and have denied me help three times. Last month they started foreclosure proceedings, yet still suggesting I fill out the RMA ( Request for Mortgage Assistance ) a fourth time. A friend gifted me a decent sum of money to bring my HELOC current and start anew. The amount at the time was about {$8900.00}. One month later, last Mon, XX/XX/XXXX, I was given a payoff in the amount of {$9500.00} and change. When I called Wed because $ $ had cleared so that I could pay, I was told that I know owe over {$11000.00}, which of course I do n't have. In one month, SLS increased what they wanted from me by almost {$3000.00}, saying the person ( XXXX, Relationship Mgr ) should n't have given me the figure she did over the phone. I was told there are " other fees '' involved, like escrow fees and fees they paid to start foreclosure. First, my loan is already escrowed with my XXXX, and XXXX, it was their decision to start foreclosure proceedings instead of work with me, so why should I pay for their cruelty when I have been doing nothing but try to work out something with them?! It 's ludicrous what these lenders are allowed to get away with. 
I have a mediator from XXXX County of Consumer and Business Affairs helping me, as I have been struggling with SLS for four years now. I first went to them XX/XX/XXXX when they were going to increase my payments as the draw period ended, as I knew increasing monthly payments would be a hardship. Had they helped me then, when payments were {$200.00} a month, I would not be in this position now. 
Earlier this year, they sent me an offer with higher payments than the $ 300-plus they had increased my payment to, plus had respond dates that were two months past! I was told to send a letter, after a Relationship Counselor agreed that the offer had errors, so that they could rework it. That never happened. They sent me a letter saying they were starting foreclosure proceedings. 
A letter received by XXXX County Consumer & Business Affairs acting on my behalf now says that a letter SLS has sent off to me as a result of a request made to them last week has given me the sum of {$11000.00} to reinstate my loan and stop all foreclosure activity. As days go by, I 'm certain SLS will not hesitate to keep tacking on an exorbitant amount of unnecessary fees, just because they can. It seems they are n't regulated much and the consumer has no recourse, yet if a lawyer got involved, which I can not afford, those fees would be eliminated. In my experience since my loan was sold to SLS, they 're are only in the practice of making as much money off their customers as they can, instead of helping homeowners stay in the homes we worked hard for and deserve.
Product: Debt collection

I Have received information on debt that Jefferson Capital is attempting to collect a debt that verified as identity theft. XXXX XXXX completed the full with the provided information of the police report that I provided to them, this debt is not mine and should not be attempted or reported on my credit report.
Product: Credit reporting or other personal consumer reports

Throughout, I've upheld timely payments on this account, preventing any from becoming overdue. I'm uncertain about the rationale behind reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, correction should be made.
Product: Debt collection

Company infringing on my perfectly healthy credit score, and hasn't Validated nor Verified the " Debt '' This is completely out of the norm ; and I'm highly confused about what is owed and why? Please help me with this issue..
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear PLAZA SERV, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside Saint Louis Missouri identity theft fraud laws, particularly Saint Louis Revised Code Chapter 8.12.

It has come to my attention that PLAZA SERV has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri law, specifically XXXX XXXX Revised Code Chapter 8.12, emphasizes the necessity of consumer consent for credit reporting. Simultaneously, identity theft fraud laws in XXXX XXXX underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PLAZA SERV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and displaying a clear disregard for federal and state laws.

I demand, with utmost certainty, that PLAZA SERV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX Missouri identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PLAZA SERV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint, but it was closed without follow-up or conclusion. TransUnion is reporting an account that is past the 7 year limit with an incorrect opening date of 2014. I did not open any student loans in 2014. TransUnion is not requiring proof of information when they conduct their investigations, and they refused to provide me with the verification of accuracy when I called them. They just told me it was verified but that they could not send me the documentation.
Product: Debt collection

re : National Recovery Agency, XXXXXXXX XXXXOn XX/XX/XXXX I first learned of this debt when they sent a text to my husband 's number. They did have my number but known sent it to someone else. 
I called and tried to communicate with them but they hung up on me bc I would not verify my information when all I had received was a text to a number that is not mine. I did provide my info eventually and send a formal dispute.

I called the medical provider/creditor and they had mistakenly listed my current address as invalid and I never received a bill of any kind. 
On XX/XX/XXXX after confirming the debt with my insurance provider, I paid the provider in full who promised to notify the collection agency. 
On XX/XX/XXXX I received my first written communication from either the collection agency or medical provider/creditor and that was only a copy of the creditor statement dated XX/XX/22. 
On XX/XX/1922 I received notice that they reported me to the credit reporting agencies. 
This agency is aggressive, rude and wrong at every level.
Product: Debt collection

they are claiming we owe rent when we paid all rent before moving out. also they are misrepresenting the amount of deposit. they charged us XXXX XXXX rent deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REACHED OUT TO THE CREDIT BUREAUS AND TOLD THEM I WOULD LIKE TOO SEE PRROF OF SOME ACOUNTS THAT I WAS NOT FAMILIAR WITH.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX INACCURATE LATE PAYMENT REORT REPORTING TO MY CREDIT REPORT FOR XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding their failure to report an account that was verified to them by XXXX XXXX XXXX. Despite providing all necessary documentation, Equifax is refusing to include this verified account on my credit report, insisting on the inclusion of an outdated address where I no longer reside. 

The reporting of this account is critical for my financial profile, and its absence is having adverse effects on my credit standing. Despite my diligent efforts to address this matter with Equifax, they have not taken appropriate action to remedy the situation. 

I have attached Equifax 's response to my complaint, despite submitting all required documents as per their request. 

I urge the CFPB to intervene and compel Equifax to immediately report the verified account to my credit report without any further delay or unwarranted demands. It is imperative for the accuracy and completeness of my credit history. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to resolve this issue promptly.
Product: Checking or savings account

This was an unbelievable story. 

Truist Bank ( formerly Sun Trust ) ran a campaign to raise deposits, offering bonus to customers when new checking accounts are opened. I opened an account on XX/XX/2023 online, deposited {$50.00} as required via a credit card. I then followed up with direct deposits from work. But the direct deposits were denied and I was told by their Fraud department that my newly-opened account had been closed and that Truist had the right not to provide any cause. 

I have an excellent credit score of about XXXX by three major credit agencies. I do not understand why they closed the account, which may hurt my credit score. 

As to the {$50.00} initial deposit, Truist said that they could not credit it back to my credit card. They could not mail me a check either. The only way that I could recover the {$50.00} is to travel to their branch, which is about XXXX miles away. 

Is Truist Bank running a scam? They ran a campaign to attract new customers, then closed the accounts and refused to returned the initial deposits with easy and routine methods. 

The responses were terrible. I had to call 5 times to get their responses. They all promised to call me back, but no one did.
Product: Debt collection

I have two items on my credit report for XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I have not gotten any notices in regards to these two bills from either the original creditor and the collections company. I am also getting harassing phone calls and repetitive calls as well from multiple numbers. Voice mail is a automated recording playing as a employee leaving personal information on a voice mail when one is left. The item on my credit report should not be reporting as one its not mine and two my daughter had two medical insurances and they should have been charged to them. I want these removed from my credit reports as soon as possible.
Product: Checking or savings account

On XX/XX/16, my account was erroneously charged with a {$170.00} charge that appears in my account as : AC-XXXX XXXX XXXX -GA XXXX XXXX XXXX XXXX. 
I went into Cadence Bank, where the account is held, to dispute the charge in writing. 

As of this date, XX/XX/2016, I still do not have my funds returned and have not gotten any resolution. 

In XXXX, this happened - same AC payee info, I went into the bank to dispute, and the funds were returned. Unfortunately, the account got hit again with no safeguards even though I was assured this would not happen again. 

We do not pay our taxes out of this account, do not have our epin tied to this account and do not owe any GA taxes.
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report, which are negatively impacting my credit score. I have identified these accounts as the result of identity theft, and I am seeking your assistance in rectifying this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am pleased to note that XXXX has already taken action by deleting the fraudulent account from my credit report. 
I kindly request that you conduct a thorough investigation into the fraudulent accounts listed above and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. 
I am frustrated that, as a victim of identity theft, I am facing the consequences of someone else 's actions. I request that you expedite the resolution of this matter, as it is affecting my ability to access credit and achieve a better credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( Equifax, XXXX, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Product: Debt collection

ON XX/XX/2021 I sent a money order Account number XXXX in the amount of {$500.00} for full satisfaction of the promissory note for Navy federal it was sent along with a Accord and satisfaction letter detailing exactly what I was trying to do it clearly and conspicuously Stated please be aware if this money order is accepted/cashed this is the new agreement and contract and will be without recourse for all parties once this payment is accepted navy federal promissory note for XXXX XXXX XXXX IS TERMINATED WITHOUT RECOURSE it also stated the codes and definition of accord and satisfaction so that it would be clear as to what was written on the money order navy federal willing and knowingly accepted and cashed the instrument and therefore agreed to this agreement. 
Please refer to these case law to have a full understanding of the liability that navy federal has to uphold for this agreement.

UCC 3-603, UCC 3-311 , UCC 3-419, UCC 3-205. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX, XXXX So. XXXX XXXX, XXXX ( XXXX ) )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, Experian, XXXX, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Product: Credit card

I bought a bed using an interest XXXX credit card. 
I had used the card for purchases in the past, but paid them off after realizing I had been mixing up my cards ( statements attached for XX/XX/XXXX ). 
In XX/XX/XXXX, I used an XXXX, forgetting this card was still linked to my XXXX account. 
Realizing my error, I paid off the uber charges immediately. The charges did n't fall off the account, despite payments made. I made several payments, but was charged an interest fee ( XX/XX/XXXX and XX/XX/XXXX Statement attached ). 

I contacted the bank ( Wells Fargo National Bank ) and was told I needed to make all payments within a XXXX day window, so payments made before that window are ignored. I spoke with an employee and a supervisor.
Product: Credit reporting or other personal consumer reports

I am Applying for a mortgage and when the bank does a check on my credit at Experian, it says my credit is frozen. I logged into my Experian account and it says unlocked. I called and worked through the automated voice system and it confirmed my credit was not locked. I sent an email to Experian support and the response was to send me to the Experian website customer service. I have already tried calling them and can not get to a live person to assist with this issue. I had the exact same issue with Experian in XXXX on another matter where a local utility company did the account was frozen. 
Please help me to get some way to have them provide me with confirmation and to make some effort in reviewing my case. 

XXXX XXXX