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

On XX/XX/2020, Experian stated the inaccurate Chapter XXXX Bankruptcy listed on my report was verified by XXXX XXXX. Additionally, on XX/XX/2020, Experian stated " relevant information '' was needed for a re-investigation. A copy of a letter from XXXX  XXXX, dated XX/XX/2020 was mailed to Experian which stated, after a re-investigation, XXXX XXXX was unable to verify accuracy of bankruptcy and removed the record from my XXXX  XXXX  report. Experian acknowledged receipt of the letter via their website by opening bankruptcy dispute on XX/XX/2020 and modified it XX/XX/2020. Experian opened an additional bankruptcy dispute on XX/XX/2020 and modified it on XX/XX/2020. On XX/XX/2020 Experian stated the bankruptcy dispute was still pending. On XX/XX/2020 Experian falsely stated the " company '' that reported the information to them certified the information was true. Experian exhibited unethical business practices and a violation of my rights by not identifying XXXX XXXX as the data furnisher as previously stated and falsely claimed the Chapter XXXX bankruptcy was verified. On XX/XX/2020 in response to CFPB complaint # XXXX Experian continued to make false claims by stating the " public record vendor '' verified the information. Experian exhibited unethical business practices and made false statements in an attempt to continue to violate my rights. Experian has knowingly been in possession of the deletion letter from XXXX XXXX since XX/XX/2020 and has maliciously and unethically chosen to ignore the provided information and not act upon it per the rules and regulations outlined in the Fair Credit Reporting Act. Experian is well aware that the " data furnisher '' and " public record vendor '' they have skillfully referred to is XXXX XXXX. This has been done in an attempt to mislead the Consumer Financial Protection Board and allow them to continue to violate my rights.
Product: Debt collection

XX/XX/year> Asked them to send me a copy of the validated debt or a copy of the original contract with my signature. A balance of {$950.00} XX/XX/year> Followed up on the debt information requested.
Product: Mortgage

XXXX of XXXX I received a tax bill with a one time only " special assessment '' in the amount of {$6200.00}. I informed Loancare LLC about this at that time. 

In XXXX of XXXX, I received a notice of an " escrow reassessment '' that was significantly higher than what it was previously. I realize that the {$6200.00} needed to be repaid. Loancare did pay this amount for me. 

Loancare for some reason seemed to feel that the special assessment would continue and they decided that my taxes for this year would be similar to last year. I have made numerous attempts to sort this situation out to no avail. My tax bill for this year is out now in the amount of {$4600.00} They are collecting very excessive amounts in my escrow account that are clearly not needed to pay my taxes or insurance. 

They have created an extreme financial situation for myself forcing me to be late on my mortgage every month and they have destroyed my credit. 

I need a re-evaluation of my escrow account that accurately reflects my taxes and insurance. 

The only reason that I was late on my payments was because they started collecting an additional {$1200.00} a month for my escrow account. Which was not needed. 

They have also issued late fees and put damaging information on my credit report that does not accurately reflect the situation. 

In addition, my phone has been flooded with calls from their collections department. 

This needs to get rectified. I would like for the damaging information on my credit report to be removed. I would like for the late charges to be removed. And I would like for them to reevaluate my escrow account to accurately reflect my tax and homeowner 's insurance payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed several inquiries that appeared on my credit report. Those inquiries were unauthorized. XXXX XXXX XXXX XXXX was on my credit report XXXX times, however was supposed to be on there XXXX time. I notified the bureaus and let them know to dispute the unauthorized inquiries however all inquiries were disputed. One of the inquiries that were disputed was connected to my actual automobile loan at XXXX XXXX. 

On XX/XX/2024 ( almost two months later ), my installment loan from XXXX XXXX was removed from my credit report AND my ability to monitor my account was blocked online by XXXX XXXX. I contacted XXXX XXXX to find out what happened and they advised that Transunion blocked my account from being reported due to suspected fraud. I let them know that the account was not identity theft and that I had possession of my vehicle and they advised me that they would close the fraud case and send a letter of reinsertion to Transunion and the remaining bureaus so my account could begin reporting once again. 

I spoke to Transunion and they advised me that they did not block my account from XXXX XXXX and that XXXX XXXX was the one who blocked the reporting of the account. Transunion escalated the situation to higher management who further confirmed that they did not block the account. They advised that if XXXX XXXX wanted to resume reporting, they would have to contact Transunion and request for it to resume reporting. 

XXXX XXXX states that Transunion is responsible for the account being blocked. Transunion states that it is documented in the communication sent from XXXX XXXX that XXXX XXXX is the one who is blocking the account. I had someone from the Office of the President to call me today and advise that there was nothing that they could do as it was not their responsibility. 

I need my account reporting on my credit report and I need access to the app on XXXX XXXX to monitor my account and be able to make payment. Please make the XXXX companies resolve the issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Payday loan, title loan, or personal loan

I paid off my shared pledge loan on XX/XX/28 for {$1500.00} ( XXXX is held for collateral. ) I called on XX/XX/28, and was told it takes 24 hrs to receive funds. Next Friday I call I am told 2- 3 bus days, placed on hold to see if funds can be released today. I call back again and the last rep tells me that I am not getting my collateral amount became I received deposits every time I made a payment .I asked for a copy of these deposits, because I only see payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS INACCURATE, I DID NOT INCURATE ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the reporting of two accounts by XXXX XXXX XXXX, a third-party debt collector, as outlined below. These accounts violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, which mandates accurate, fair, and complete credit reporting. 

Disputed Accounts : Account XXXX : Amount - {$910.00}, Opened - XX/XX/year> Account XXXX : Amount - {$1400.00}, Opened - XX/XX/year> Upon reviewing my credit reports, I identified the following inaccuracies and issues that warrant immediate deletion of these accounts : Inaccurate Account Status and Balance : The status and reported balances for these accounts are incorrect. These accounts were purchased by XXXX XXXX and subsequently paid for less than the amount owed. The reported amounts do not reflect this payment accurately. 

Incomplete Information : My credit report does not show the amount XXXX XXXX paid for the debt, leaving the information inaccurate and incomplete, which is a clear violation of the FCRAs accuracy requirement. This omission of critical details affects my credit standing unfairly. 

Request for Deletion : Based on the inaccurate and incomplete information present, I request the immediate deletion of these accounts from my credit report.

It is my understanding that 15 U.S. Code 1681 mandates that information in my credit file must be complete and accurate. These accounts, as reported, do not meet that requirement. Please confirm that these accounts have been removed from my report or provide a written explanation for any decision to retain them. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation of deletion.
Product: Money transfer, virtual currency, or money service

Hello. 

I am from XXXX and i have my paypal account from 20 years and never violated paypal aceptable policy. 
Now paypal says i violated a policy, not saying which, denying to specify and stole my balance and banned me. 

I am pretty sure i didnt made an illegal move, and they refuse to say why and just took off my balance. 

I consider this stealing and i need protection. 

Is there something i can do or can u refer me to the place i need to file a complain so they dont steal me or others? 

I am 100 % sure i didnt violated a policy. I dont mind being kicked off paypal, but they cant keep MY money. 
They made a " transfer '' from my balance " to paypal '' to cover damages they say. but i didnt autoriced or informed what i violated. 


Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PULLED MY REPORT AND SAW THESE ITEMS APPEARING THAT I AM NOT AWARE WHERE THEY CAME FROM. I DEMAND THESE ITEMS BE DELETED FROM MY REPORT. BELOW ARE THE ITEMS THAT I AM DISPUTING. 
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

I have written to this credit bureau several times in an effort to rectify THEIR ERRORS! They consistently ignore my requests and fail to protect me and my privacy. I recently reached out to this credit bureau in XXXX, XXXX, and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. They only corrected a part of it and has continued to report the same wrong information. I have reached out to try to correct this a several times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to Cushman v Transunion 1997, this credit bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I STILL have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. I feel violated and unprotected and have suffered loss as a result of their neglect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX account was never included in my Chapter XXXX Bankruptcy. XXXX was notified by mail that I had filed XXXX. I continued to pay on my account each and every month while in my XXXX. Payments were never late and I continued to pay on time after my bankruptcy was discharged. I am attempting to get this erroneous information corrected on my account. My payments are not being reported as they should and the account is showing closed with a late payment in XX/XX/2021 which is not true. I have attached my XXXX schedules that were included in my Chapter XXXX Bankruptcy. It will show that XXXX XXXX XXXX XXXX were never included in my filing they were only notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company did not update account as " disputed '' within the required length of time, which is required by law. See attached information.
Product: Debt collection

On XX/XX/XXXX of XXXX we went to court over the matter of this debt. After going through all other cases the Judge asked us to come up since he didnt have a file for us that day. he pulled our case and let us know the case had been dismissed the week prior. In XXXX my fianc received a phone call from IQ DATA INC. stating there is an amount owed from XXXX XXXX XXXX XXXX XXXX and it needs to be paid at the point we let them know we went to court over this matter and the case was dismissed. They told us there were cleaning fees that needed to be paid. I let them know then that once again we went to court and it was dismissed. She then advised to send in proof of Court documents. i went and got certified copies from the city clerk and mailed them out to IQ DATA INC., and all three credit bureaus. The bureaus corresponded back with us to let us know they couldnt remove it until IQ DATA INC. did. After communicating with IQ DATA INC. a man there let us know that is wasn't getting taken off until they had received a payment i then reiterated that we did not owe this and it was settled in court. He then got very upset and rude so i ended the phone call. Fast forward to XXXX of XXXX i go to purchase a new vehicle and when my credit is run we find out that it has now been added as a collection to my credit as well. At this point im not sure what there is to do to get it off of my fianc and myself credit but, now we are in XXXX of XXXX and trying to by a house and because it still hasnt been taken off of either of our credit reports it is slowing down the process as you could imagine. The mortgage company advised that making a complaint with you guys might be our best option on getting this resolved. i have attached the dismissal as well as proof of funds from the State of Alabama that paid the rest of our lease.
Product: Bank account or service

I am opted-out of overdraft protection with my checking account at Wells Fargo. Even after making it clear that I do not want them to allow charges that would negatively affect my account, they have allowed these transactions to go through. This past week, they authorized a paypal transaction that put my account into the negative. Had they denied the charge, as they are supposed to, it would have automatically been tied to the credit card I have set up through paypal. I was not expecting this to come out of my bank account at all. I noticed the mistake and called and complained. They said they would return the {$35.00}. There was already another pending OD charge at the time I called, but it did n't show up until the next day. Because of the inital unauthorized purchase, XXXX additional purchases were overdrafted. I suspected that they would charge me again and deposited money to cover these. Per their ATM policies, these should not have caused an overdraft fee even I had opted in because I made the deposit before the charges were " posted '' and ATM deposits are " immediately available ''. They posted the charge before posting my deposit. I now have {$70.00} in fees, even though I have a positive account balance and no overdraft authorization on my account. When I called to complain again, I was told that they will not return the money and that " their policy '' authorizes them to allow charges at their discretion. However, their policy online, as well as the Federal Reserve Board 's ruling, say differently.
Product: Debt collection

On XX/XX/XXXX, I was in a collision in a vehicle I rented from XXXX XXXX  XXXX. XXXX filed a claim ( # XXXX ) and I created a claim with my primary insurer, XXXX ( # XXXX ) and my secondary insurer, XXXX XXXX XXXX ( # XXXX ). 

XXXX timely approved payment on the claim to XXXX, and my secondary insurer paid my deductible on or about XX/XX/XXXX. 

Since then, XXXX has refused to take payment from my primary insurer and has started threatening me with legal action. I have called XXXX and XXXX on atleast four separate occasions and both have assured me they will sort it out. Nevertheless, I have continued to receive threatening communications from XXXX that, unless I pay the remaining sum, which should be paid by XXXX and which XXXX has already agreed to pay, I will be sued and reported to collections. 

On or about XX/XX/XXXX, I received a formal letter from a collection agency, XXXX XXXX, that XXXX had assigned the debt and that I am subject to legal action. 

At this point, it appears that XXXX has decided not to work with my insurer, who has subrogated my claim and agreed to pay, and is instead insistent on shaking me down.
Product: Credit reporting or other personal consumer reports

Remove these items from my report according to the law. 
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date, you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.

Should you continue to operate with complete disregard for the law, I intend to seek redress in a civil action for recovery of damages, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under the law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within 15 days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a disputed referencing the Medical debt forgiveness Act 2022 and that medical debt under {$500.00} would be removed. 

The disputed was submitted and Equifax stated the debt was accurate and was not removed. 

XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, Experian in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, Experian stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.