23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is committing FRAUD and personal Discrimination acts against my personal credit File with an attempt to Reduce my Credit Score and cause me hardship with higher interest rate for being a Strong Advocate XXXX XXXX XXXX Consumer that 's fought back against the establishment. These XXXX are and have been reporting Collections Account information FRAUDULENTLY, below are the XXXX Fraud and erroneous account the XXXX are attempting to hold hostage on my account : 1. XXXX XXXX XXXX XXXX, this XXXX account was included in my bankruptcy account, Bankruptcy number XXXX, that 's been PAID IN FULL and discharged, but these XXXX Experian is still report this account on my credit file. I 've spoken with XXXX XXXX XXXX XXXX that they 've sent me and verbally spoken with me and assured me that they are not reporting this account with Experian and NO other XXXX 
Credit Reporting Agency. Again these XXXX are hindering my credit score and causing me to pay higher interest rates. 

2. Medical Collection, XXXX XXXX XXXX, Acct. # XXXX, this account was paid by the XXXX, I 'm a XXXX XXXX Veteran and I have the VA as my insurer, and I have XXXX, and XXXX XXXX as my medical Provider. I 've spoke with XXXX XXXX XXXX, I have a XXXX letter from them stating that they are not reporting not one XXXX thing to EXPERIAN, these XXXX ( EXPERIAN ) are falsifying and Committing Fraud against my credit file. I would like for the Consumer Financial Protection Bureau to call XXXX XXXX XXXX at XXXX and they will verify my concerns as being TRUE, I do not owe a XXXX penny to XXXX XXXX XXXX period, Account # XXXX. I 'm also contacting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and an Social Security Beneficiary and the aging dept of the Justice Department civil rights division, these XXXX are playing with me as an XXXX XXXX American Consumer! Enough is Enough NOW!
Product: Checking or savings account

On XX/XX/XXXX, I did an online search for banks who were offering a promotional bonus to open a new checking account and came across Wells Fargo offering {$320.00}. 
XXXX XXXX XXXXXXXXXXXX  This offer is available in-branch and online and gives a {$320.00} bonus when opening a new Everyday Checking account and doing a total of {$1000.00} in direct deposits within 90 days. 

Once enrolled, I immediately updated the direct deposit with my employer to meet the qualifications above. The offer either requires you to click on a link to open online or use a bonus code at a local branch - I chose to follow the link to open online. 

First Wells Fargo tried to tell me that I had not met their promotional guidelines in a timely manner. When I proved to them that was not true, they changed their story to now telling me that I did NOT use the link on the online offer webpage. This is extremely frustrating because how can I prove that I did, other than the fact that I saved the information online? The only other way I could open this account is to go directly through their website. If I had done so, why would I jump through all of their qualifications stated on their offer to qualify for the promotional bonus?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Closed Account Information on Credit Report Dear Experian Dispute Department, After reviewing my credit report, I have identified a closed account that I believe to be inaccurate. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXXXXXX date XX/XX/XXXX account paid in full. ) ( XXXX date XX/XX/XXXX account paid in full ) Further more, i have already submitted a complaint against inaccurate addressed on my report. 
THE ONLY MAILABLE ADRESS IS XXXX XXXX XXXX, XXXX XXXX FL, XXXX al other address are unmailable address. if any mail is send to any other address than the one provided above, action will be taken. 

The information I am disputing is inaccurate for the following reasons : [ THESE ACCOUNTS HAVE BEEN SETTLED AND PAID IN FULL, AND ME AS A CONSUMER UNDER Fair Credit Reporting Act ( FCRA ) that pertains to disputing inaccuracies on your credit report is 15 U.S. Code 1681i. ] Per the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request that Experian conduct a reasonable investigation into this matter. Please contact the furnisher of the information to verify and correct any inaccuracies. If the disputed information is found to be inaccurate, I request that Experian promptly update my credit report to reflect the correct information. 
If these matters are handled i XXXX XXXX XXXX will be billing your company for the damages. 

I appreciate your prompt attention to this matter and request that you provide me with written notification of the results of your investigation. Please send the updated credit report to the address listed above. 

Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

See attached below Been wanting to get my credit unfreeze for a couple of months now and I have no luck. Everytime I call I get different addresses I sent in multiple letters to this company even called and still nothing is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an arbitration awarded in favor of me the Defendant ( XXXX XXXX XXXX ) against the Plaintiff ( Capital One ) on XX/XX/2019. As of ; XX/XX/2019, Capital One continues to indicate that I am 30 days late on my Credit report. I have disputed with XXXX on 3 different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) ; they instructed to me that Capital One continues to state that I owe the amount. I informed Capital One and their Lawyer 's and they continue to ignore the courts decision. File number XXXX ; please see attached. 

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

After receiving notice for the IRS that I was a victim of identity theft ( someone attempted to steal my refund ) I reviewed my credit profiles and noticed several accounts on my file that wasnt mines.
Product: Student loan

Two complaints 1. My account has been placed in forbearance without my approval. I have called multiple times and even sent a written letter requesting they take my account out of forbearance immediately and they keep renewing the forbearance. It's been nearly a year of missed payments towards my loan forgiveness. 
2. Since entering the loan forgiveness program there has been no documentation of monthly payments that are {$0.00}. To qualify I need to be enrolled for 240 monthly payments based on my income. My income has been very low for the majority of those payments so my monthly payment is {$0.00}. But they are not keeping a record of this, so I had changed it to automatically remove {$0.00} from my account just so there would be some sort of record. Then they placed me in forbearance.
Product: Checking or savings account

I sent money ach to my XXXX XXXX and wells Fargo asked for it back just to say i never had it in the bank. I said i didnt make a XXXX dollar XXXX  purchase at the end of XX/XX/year> i told u i never got XXXX froma ATM AND HAS PROFF OUT  OF XXXX i only got XXXX from atm from XXXX i only got XXXX i got proof and the ACH to my savings who to you to take it back from XXXX  XXXX it said Wells Fargo asked for back I didnt. And why did Fraudulently Wells Fargo let the ACH XXXX XXXX XXXX BUNESSNESS TRANSFER GO THROUGH FOR XXXX dollars. You stole my funds from atm thats a different frim my receipt and stole XXXX XXXX and XXXX
Product: Checking or savings account

In XXXX of 2023, I misplaced my wallet and my entire family helped me search for it. This can be seen on our security cameras. However, I soon discovered that someone was attempting unauthorized transactions using my frozen cards. I immediately reported these transactions to the respective businesses and froze all my cards, including credit cards, child support, Navy Federal XXXX and XXXX cards, and XXXX. I also noticed unauthorized airline transactions and other suspicious activity with my Navy Federal account, so I filed a fraud claim and informed the banking institution. To address the ongoing transactions, I filed a police report and contacted the police when the perpetrator made XXXX fraudulent transactions at XXXX. I also reached out to the store and informed them about the fraudulent card being used. Unfortunately, they advised me to contact the police as they couldn't assist in this situation. The police provided me with documentation confirming that I was a victim of fraud, which I promptly provided to Navy Federal. However, despite providing all the necessary documentation, including screenshots and police paperwork, the financial institution has not returned my XXXX Bank funds amounting to {$2200.00}. This failure to return my funds is having a significant impact on my corporate business.
Product: Credit reporting or other personal consumer reports

I have called in and sent in a request to have my personal information updated 3 times total to Transunion, XXXX and XXXX. XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any change on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX I looked at my current reports All XXXX reports do not match. Also there are late payments being delinquently reported in the status of Experian but XXXX or XXXX. Also account was removed from XXXX but not from other bureaus. The comments also do not match. there are discrepancies all throughout my reports which they do not match. this is supposed to be a trip-merged account that is reported to all XXXX major bureaus with matching information but it is currently not. this is in violation of 15 us code 1681e ( b ) I demand immediate removal of delinquencies and/or account.
Product: Credit card

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Product: Checking or savings account

On XX/XX/2021 I deposited 3 money orders into my Chase checking account. On XX/XX/2021 I discovered that my account had been locked due to suspected fraud. I spoke to a fraud specialist at Chase who advised me that once the funds cleared my account on XX/XX/2021 the account would be reopened and I would be able to use my bank account as normal. When XX/XX/2021 came and went I called the bank and they requested I bring in the money order receipts to have the funds released and that my account had been closed. I went to my local branch to provide the receipts and received the balance of my direct deposit from my employer BUT NOT the {$2800.00} that had been deposited into my account, I was told that the fraud department would review the receipts for the money orders and send me a check in the mail, that never happened. 6 months later and I still have not received a letter explaining what was going on with my bank account or the funds that they are holding nothing. It takes hours to get ahold of anyone that cares to help sort this mater out. After being a loyal chase customer for over 5 years they just up and close my account. I am asking for assistance in this matter as will as interest be paid on the money that they are holding. 

I am asking for assistance in having my money returned to me as well as interest be paid.
Product: Credit reporting or other personal consumer reports

Recently, I received a letter from TransUnion stating that they had deleted the XXXX accounts I disputed. However, upon updating my credit report, I found that these accounts were still listed. This indicates that TransUnion has reinserted the XXXX accounts that were previously removed from my report. This action constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and its re-insertion requirements. Specifically, TransUnion failed to notify me within five business days of the accounts reappearance, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, they did not provide the necessary certification of accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) and did not conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i ( a ). 

In addition to these breaches, TransUnion has violated several other key consumer protection laws : Permissible Purpose ( 15 U.S.C. 1681b ( 2 ) ) : The account was reinserted without confirming a legitimate purpose for doing so. 
Block of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Despite receiving adequate documentation, TransUnion failed to block fraudulent account information. 
Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n ) : Their deliberate failure to adhere to FCRA requirements has exposed them to civil liability. 
Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Their negligence in handling this matter further underscores their noncompliance with FCRA regulations. 
Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The reinserted inaccurate information directly contravenes their obligation to maintain the highest level of accuracy in credit reporting. 

TransUnion 's actions have unjustly harmed my credit profile and infringed upon my consumer rights under federal law. I demand immediate corrective measures to address and rectify these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> CarMax XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Charge-Off on Account No. XXXX Dear CarMax, I am writing to formally dispute the charge-off that appears on my credit report for the above-referenced account. According to my records, the amount charged off is {$8400.00}, and the past due amount as of XX/XX/year> is listed as {$8000.00}. I request that you investigate this matter and provide verification of the account details and the validity of the charge-off. Specifically, I am requesting : 1. A complete payment history, including any missed payments leading up to the charge-off. 2. Documentation supporting the amount charged off and the amount past due. 3. Copies of any correspondence or communication sent to me regarding this account prior to the charge-off. I believe there may be inaccuracies in the reporting of this account, and I am requesting your assistance in resolving this matter promptly. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate information corrected or removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt. If you are unable to validate the debt, you are required to remove the charge-off from my credit report and cease all collection activities. Please acknowledge receipt of this letter and inform me of the steps you will take to investigate my dispute. I look forward to your response within 30 days, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX says TransUnion. And XXXX can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XX/XX/XXXXXXXX XXXX &XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, Equifax and XXXX onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to NATIONAL CREDIT SYSTEM. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Convergent Outsourcing Inc. 
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX,  paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, and 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

On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, Equifax and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.
Product: Debt collection

I had contacted  XXXX  about providing high speed internet at my house. They charged me then subsequently found out that they could not provide this service at my address. Naturally, they told me that I did not owe anything and yet somehow they continued to send me bills and eventually sent the bill to collections. I have had repeated conversations with  XXXX  where they say they have no record of me owing any debt, yet the debt continues to hurt me on my  credit score. Ple ase help as I am trying to purchase a house and this debt not owed is impeding my ability to get the best rates that I deserve.     Thanks.
Product: Debt collection

In late XXXX of 2022 XXXX XXXX reached out a debt owed and I responded about wanting to coordinate getting debt settled. Never heard back from XXXX; attempted to access company portal to pay, but did not have access. Months later now see on credit report that in early XXXX ( not even 3 weeks after contact ) XXXX transferred to debt collector XXXX XXXX. Never received any form of documentation, email, call, etc. about this transfer occurring or debt going to collections. Have since never heard anything from either group about collecting this debt. 
Have text messages and can show that no emails were received from either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED EXPERIAN AND XXXX XXXX XXXX TO VALIDATE THE DEBT, PER THE XXXX BOTH ARE IN VIOLATION .... IT TIME EXPERIAN COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR EXPERIAN TO PROVIDE ME WITH THE VALIDATION, XXXX XXXX IS COMMITTING FRAUD AND EXPERIAN SEEMS TO BE WORKING WITH THEM, I DO NOT OWE XXXX XXXXXXXX, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT