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

Experian and XXXX are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both Experian and XXXX stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

XXXX under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Account Name : XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX on XX/XX/XXXXXXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XXXX XXXX, 2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These are the unverified accounts : XXXX XXXX XXXX XXXX  Balance Owed : {$25.00} ; XXXXXXXX  XXXX Balance Owed : {$74000.00}.
Product: Mortgage

I have a Mortgage Loan on my Primary Residence. After changing many hands over the years, it is currently being serviced by Selene Finance. I fell behind on Mortgage payments, for various reasons, chief among them being our Business downturn since XXXX and my XXXX   XXXX XXXX and poor health. I have submitted several Loan Modification Packages over the years. The last of such packages was submitted to Selene Finance on XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to dispute a transaction followed by a handful more made with my Found debit card linked to my account. The transaction in question was with XXXX XXXX, and I contacted Found to request a chargeback due to XXXX 's failure to provide the services as agreed, resulting in unauthorized charges as they provided vehicles that were not suitable for the work they were intended/hired for until mechanical issues were resolved. I also found it strange that Found had hid the " dispute charge '' option and I had to call them to get them to " unlock it '' so it would appear. 

Despite providing all relevant details and explaining the situation, Found refused to process the chargeback or assist in filing a dispute. They directed me to resolve the issue directly with XXXX, which I had already attempted multiple times without success, and I have reiterated this to them. XXXX has given me the run around in hopes that I simply give up, and I am unable to resolve the dispute on my own. 

I am seeking the assistance of the CFPB to compel Found to process the chargeback or dispute, as they are obligated to assist customers in resolving unauthorized or disputed transactions under federal regulations. My attempts to resolve this through Found 's customer support have been unsuccessful, and I am left without any other recourse. 

I respectfully request that the CFPB intervene in this matter to ensure that Found fulfills its obligations and assists me in recovering the disputed funds.
Product: Credit reporting or other personal consumer reports

On Several occasions I have asked TransUnion to verify the accounts that are on my credit report in response to XXXX XXXX XXXX XXXX account. They have not verified this account and it has taken longer than 30 days.
Product: Credit reporting

CFPB Case Number XXXX, one of the numerous complaints that I 've made about erroneous errors on my credit report since this past summer. My initial complaint was about XXXX and the uncooperative nature in trying to fix the errors they made. However, even after the compliance of the CFPB requests by XXXX, Equifax will not correct the errors. I 've asked that Equifax delete all of the late payment history for the mortgage held at XXXX XXXX XXXX. The current payment information listed was NOT part of my credit report prior to XX/XX/XXXX and is false. The XXXX debt was paid in full in XX/XX/XXXX. It was only when I purchased a new home in XX/XX/XXXX did I discovered that XXXX made an error in the comments section of which insinuated that I sold the property via a short sale which was a false statement. The other reporting agencies thus far have made the corrections by removing the false statement and keeping the correct payment history which reflects a current payment history. Only Equifax at the moment is not correcting the error. Attached I have included various letters from XXXX and a few pages from the Equifax Credit report plus their case reply. The letters ask that I wait 90 pus days for the corrections to occurs, but now frustratingly, both XXXX and Equifax are asking me to contact each of the XXXX firms to ask that the other party fix the error ... .hence my new request to CFPB. I 've been pretty persistent in trying to get a reply out of Equifax but they keep sending to a call center in the XXXX or some place in which they have different standards, codes of conduct and show little regard to the issue at hand, for they only want to sell me anther product. I did fall their last pitch because I was forced into purchasing a new credit because as you can appreciate, I have more than exceeded my free reports in my quest to correct the data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Consumer Finance, My name is XXXX XXXX and my dispute is with Experian giving me a very low credit score verse XXXX and XXXX. My credit scores with XXXX XXXX and XXXX  is a XXXX. 
Experian is giving me a XXXX based off the same creditors information provided to all three credit reporting companies. 

I made contact with Experian on XXXX2019, XXXXXXXX2019, XXXX19 and XXXX19 through email and my online communication was with XXXX, Experian Social Support Rep. 

I have paid my creditors on time and my debit/Credit utilization is 1 %. I can not believe Experian rating is 95 points less than the other two credit reporting companies. 

Best regards, XXXX XXXX
Product: Debt collection

around XXXX I had a bank account with NEVADA STATE BANK XXXX ACCT : XXXX ) which my card was used and over {$500.00} was spent without my authorization while I was sleeping in my bed around late 2018. My bank card was used with me being present and the it showed as a pending transaction is what I awoke to notifications on my phone. I called and reported it to customer service, and they found I was a victim of identity theft and returned my money. I withdrew my funds and closed the account the same month. NEVADA STATE BANK did not close my account and allowed my account to accumulate excess fees which overdrawn the account after i called to close it months before being that I was an identity theft victim and never used my card but to withdraw from the banks atm only. I suspect someone working inside the bank 's branch was stealing customers account, bank card and personal information this is why I closed my account now I have a collection and ChemSystems for {$250.00} from OUTSOURCE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, UT XXXX.
Product: Debt collection

I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported :XX/XX/2019 {$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I fixed this accounts several times but it still appear in my report. Please make an action I'm so tried and stress Here 's the lists of negative items XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX, XXXX {$19000.00} XXXX  XXXX XXXX Account Number : XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I borrowed {$5000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX. This money was borrowed through a " XXXX XXXX  '' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXX would be taking me to XXXX XXXX XXXX to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my XXXX XXXX XXXX trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX California XXXX XXXX of XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX. The relevant case number is XXXX. The judgment entered on this case by Commissioner XXXX XXXX was that the defendant XXXX myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with Experian and XXXX  regarding this matter. Experian amended but did not correct the entry on my credit report. As of XX/XX/XXXX, XXXX  continued to report my account as a " charge-off. '' I tried to file another dispute with Experian today. I was informed that Experian does not need to review my dispute further because they have already done so. Experian persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

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

Recently, I conducted a thorough review of my credit report and was distressed to find unverifiable, invalid, inaccurate, and questionable items. It is clear that your agency did not ensure the accuracy of these entries. 

According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies. 

Attached are copies of all the letters I have sent for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card I got in 2014. I just did a settlement on this account and was told it would be deleted from my credit report. It is still showing up and its hurting my credit. I have sent numerous requests to have it removed and its still showing up. I would like this account removed immediately from my Credit report and sent an updated copy of my report when item has been removed.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC XXXXb, any billing mistake should be fixed and marked as paid on time.
Product: Student loan

Since XX/XX/XXXX ( XXXX ), I have been applying to be on the REPAYE/SAVE program, both through MOHELA 's XXXX and through the Federal Student Aid application, in order to pursue PSLF. Nevertheless, my multiple applications had been rejected or cancelled since then. I recently talked with a MOHELA representative on XX/XX/XXXX, who stated that it was due to errors with social security number not populating ( on my end, all demographic information was auto populated when completing those applications and there was no missing information ) and that my tax information was not uploaded ( when XXXX was, in fact, able to pull my XXXX tax information to calculate my payment ). 

Without my consent, and while my XXXX of many XXXX applications was still processing, I was put on the Level repayment plan and was expected to start making payments that far exceeded what I would be expected to pay on XXXX, given my XXXX. I called MOHELA and sent a letter on XX/XX/XXXX specifically requesting to be put on administrative forbearance while my application was processing. This forbearance was approved up until XX/XX/XXXX. My most recent application from early XXXX was finally processed and approved over the XXXX holiday. However, I noticed the plan does not go into effect until XXXX, so I am expected to make payments on the level plan to which MOHELA defaulted me despite my numerous attempts at trying to get on an XXXX plan that was affordable. I started trying to apply for REPAYE/SAVE prior to the XXXX payment restart so that I would not be in a situation like this. 

The amount that I am expected to pay for the Level repayment plan drastically exceeds what I am expected to pay on the XXXX plan ( {$0.00} ), given my XXXX. It does not make sense to me why it would take over a month to reflect the change to an IDR payment plan, given that it is already approved. MOHELA should either allow me to start the XXXX plan for this upcoming month of XXXX to begin my repayment process or allow my administrative forbearance be extended during the time period, given that they apparently still need more time to process this IDR application. 

It has taken MOHELA months to process my IDR requests and they have explicitly lied about reasons as to why my applications were cancelled or denied ( which I was able to check on through my portal in Federal Student Aid ). I have spent far too much time try to resolve the countless errors that MOHELA has made and all I would like is to pay the correct payment amount for the plan that I requested months ago.
Product: Credit reporting or other personal consumer reports

Experian, I need to update my address on file. 

Please see attached. 

It includes - letter, drivers license, social security card, proof of address. 

Please have this updated as soon as possible. 

Thank you
Product: Money transfer, virtual currency, or money service

I have received multiple fraudulent emails claiming that I owe {$970.00} to speedy Cash doing business as their speedy XXXX XXXX etc etc etc I do not have a payday loan out from these people I never have so I'm quite certain I don't know them anything but they keep sending emails after email and I've responded back many times and they just send another email and it says it's the email address is for me attorney XXXX something or other but the name on the email is XXXX XXXX so it makes no sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I have read that under the Fair Credit reporting Act section 650b, The Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft and that the items I dispute were the results of such crime. The disputed accounts and information were opened without my knowledge. The fraudulent items include the following : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed items were verified and belong under my name, I request that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature to support the Credit Bureaus claims.
Product: Checking or savings account

Since the last 8 months I am being charged a monthly fee on my Bank of America savings account.     I have been Bank of Ameri ca Checking account customer for almost 22 years and have had a Savings account sin ce around 10 years. I have never had a monthly fee charged for these years excep t the one  they started 8 months back.     I visited the  XXXX  BofA branch today (  XXXX / XXXX /  XXXX   ) and I was told that the fees are charged as I did not meet the conditions of my account. But when asked, the br  anch manager could not produce the original agreement I signed with these so called conditions.
They are doing a bait and switch. A condition get put on my account without any notification to me of the same. Instead of producing the paperwork and accepting there was a change in account requirement, the manager is questioning me why I did not come earlier. This is looting in broad daylight - ready to stiff even a long tenured customer!!!