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

I've reached out to Experian by certified mail and here in the CFPB several times regarding my credit report. Each time I have sent a letter or complaint Experian responds that they can't locate my credit profile. This is unacceptable. I've included My drivers license. A current Utility bill, the last XXXX of my social and the necessary information required by the FCRA, and the FTC. However Experian is saying they either can't find me or can't verify me or I don't have a credit profile. It seems that Experian is trying to deviate from having to do a complete investigation which is a shame. The FCRA allows companies 30 days to investigate a dispute the CFPB gives companies a max of 60 days to respond and Experian is closing out my disputes and complaints so they can buy time or escape from doing their job this is unacceptable. I will be including the same information again attached with this complaint as well as PDF files of my former complaints and ask that Experian stop using stall tactics. It is very unprofessional and I am determined to use my right to have a credit report that is 100 % accurate and dispute any and all information that is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Product: Debt collection

Failure to provide a satisfaction letter I am filing this complaint because XXXX XXXX ( through a law firm representing them ) has failed to provide me with a satisfaction letter after I fully paid off a debt. Despite my multiple attempts to contact both the law firm and XXXX XXXX, I have not received any confirmation that my debt has been paid in full. 

Details of the Debt : Account Holder Name : XXXX XXXX XXXX SS Number ( last XXXX digits ) : XXXX Final Payment Amount : {$4200.00} Payment Date : XX/XX/year> Law Firm Handling the Debt : Glasser and Glasser , PLC. 

This debt has been settled, and I have complied with all requirements. However, XXXX XXXX representative ( the law firm ) is refusing to provide the satisfaction letter that I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

What I Have Done to Resolve the Issue : I have called the law firm repeatedly and asked for the satisfaction letter, but they refuse to provide it. 

I have requested the satisfaction letter multiple times.
Product: Debt collection

On XX/XX/2022 This company sent an email to my daughter about a debt they are attempting to collect from me Included in the email were details and account numbers. I had never provided them with her contact information. They have also not notified me about any right to dispute the debt.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00}.
Product: Mortgage

I was totally XXXX on XX/XX/13 ( XX/XX/13 was short sale ) and XXXX on XX/XX/13. 
On XX/XX/13 I was trying to stop the short sale.
Product: Checking or savings account

This is a follow up to my most recent case that was closed : XXXX. It has been over 2 months since I have opened this inquiry and I have yet to receive my funds returned from the bank nor any response after submitting the documents they have asked for. I have emailed and called several times my contact XXXX XXXX from Truist bank with no response. 
Office : XXXX ; XXXX. 

My complaint : My Suntrust Bank account # XXXX was closed XX/XX/2019 due to " fraud '' suspicions. They refuse to send me back my balance of {$11000.00} because they need me to prove this was not fraud. It is not possible for me to do this since there was no fraud activity to begin with. I am at a dead end with this bank and I need help to resolve this issue. These funds are vital to my survival and need this returned asap.
Product: Debt collection

-In XX/XX/2023 this JEFFERSON CAPITAL SYSTEMS ( partial acct # XXXX ) was sent to collections, for an Alleged Debt of {$350.00} -I have asked for a Debt Validation, to include a signed contract or agreement for repayment of any valid debts -I did not receive my requested information -I then told JEFFERSON CAPITAL SYSTEMS to cease attempted contact or communications, as it regards to this account or any alleged and unvalidated debt associated with it. 
-JEFFERSON CAPITAL SYSTEMS has continued to violate my rights under 15 USC 1692c, and continued to COMMUNICATE negative, invalid, unvalidated, alleged debt, as it pertains to this account to Credit Score Agencies and the Credit Bureau . This injustice has caused me great hardships and unnecessary struggles
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my XXXX report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK Court XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..
Product: Credit reporting or other personal consumer reports

. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : At & t Account name : tower Loan, Account name : Mortgage Account name : All other negative accounts 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

I signed my mortgage in XX/XX/2022. At the time of closing I noticed that they were trying to charge me an {$300.00} for taxes and insurance. The annual amount for my taxes was {$740.00} and my homeowners was {$730.00} per year. This would equal {$1400.00} or {$120.00} per month. 
I immediately inquired at the closing why I was being charged for escrow {$300.00} instead of {$120.00}. They advised me this was an error and would get it fixed but I could continue with the closing. 
My loan was then sold to Pennymac immediately without any accurate change to my escrow amount. I contacted Pennymac and they claimed to have corrected it. I then applied for Covid forbearance. My Covid forbearance is up and I will be starting to make my monthly payments. 
However, when I called to again advise that this amount for escrow was still incorrect, I was told it had been changed to {$240.00} per month but they would no longer pay my homeowners. So now I am being charged {$240.00} and my monthly property taxes are {$66.00}. The rate for the current tax year went up to {$800.00} per year. 
This is completely unacceptable. I am being charged an additional {$180.00} per month for my escrow. This is three times what it should be. I am not made of money and do not have money to pay almost {$200.00} per month to sit in an escrow account and do nothing. 
In addition, I have never received anything in writing from this company that they are no longer paying homeowners. I could get no help from people on the phone. They kept saying they couldnt discuss it until my account was caught up. I am currently waiting for a Covid 19 Reluef payment to be made to catch my account up, it was paid to the lender a few days ago and has not posted. This should be irrelevant because this issue involves exorbitant charges for escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ; Experian  XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ;   XXXX    XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX   XXXX  to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX , Experian and  XXXX  in   XXXX  , yet they turned a  blind  eye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act (  SCRA  ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA,  SCRA  and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Product: Debt collection

They keep calling on house phone and it starts around XXXX ; XXXX XXXX AND keeps calling and leaves no message. I think it is a robo telephone call and they will keep calling all day.
Product: Bank account or service

I have had an account with Bank United for over XXXX years. My account was overdrawn and I received a call from a very aggressive and disgruntled Bank United employee, XXXX XXXX XXXX who excoriated me for being overdrawn and demanded payment, of which I responded as soon as commissions came in it would be taken care of. I am in Hawaii since XX/XX/XXXX and am nowhere near a Bank United branch, none on the island. I set this account at Bank United to receive funds electronically to cover these eventualities, however XXXX XXXX restricted my account and I called customer service and spent over an XXXX trying to pay this and I was not allowed to do so. XXXX XXXX also made harrasing and somewhat threatening calls to the joint account holder including emails of that she must cover overdraft or she would be negatively impacted. I am pretty sure that these bully tactics are employed regularly, and I ask that in order to protect the public at large and prevent these immense institutions from basically garnering more fees improperly into their coffers that your organization look into to this and take any appropriate actions necessary. XXXX XXXX XX/XX/XXXX made XXXX XXXX in overdraft fees so this is a very lucrative avenue for the banks, just FYI. 

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

XXXX Original creditor : I tried disputing this many times with XXXX. The only XXXX that I have ever had was prior XXXX  Bankruptcy that has been discharged for more than 5 yrs. When I contact XXXX I can't get anyone to provide me with information regarding these 2 accounts like the items purchased or the address shipped to. I have been disputing this with XXXX and it is still appearing on my credit report.
Product: Debt collection

I reached out to Choice Recovery IncXXXX in XX/XX/2023 after finding a medical debt that has a balanced owed under {$500.00} with an account # XXXX listed on my consumer report. The mail was returned undeliverable although it is the address listed on my consumer reports. When I went to verify the address for Choice Recovery on my credit report, I pulled a new copy of my credit report to find that the same account XXXX XXXX was now being reported and collected on by Wakefield & Associates. I reached out to Wakefield & Associates requesting a debt validation because I was never notified prior to them parking this alleged debt on my consumer report and also this alleged debt is a medical debt with a balance owed under {$500.00} and should not be reflecting on my consumer report due to the Medical Debt Rule that clearly states that UNPAID MEDICAL DEBT with a balance due BELOW {$500.00} SHOULD NOT BE REPORTED TO THE CREDIT REPORTING AGENCIES. I received a response from Wakefield & Associates claiming debt was verified by XXXX XXXX but I do not recall provided them with permission to disclose my personal NON PUBLIC private information with Wakefield & Associates or anyone connected with this company. Wakefield & Associates did not provide me with any disclosure or HIPAA authorization to show otherwise. My privacy and HIPAA rights have been violated. My personal NON-PUBLIC information was provided to this company, and they refuse to provide me with proof on how they received my information and how they have the right collect. I sent a letter to them via certified mail on XXXX and they have not repsonded.This company is willfully violation my rights and federal, state, privacy and HIPAA laws.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently I have already reached out multiple times to address these issues directly with them. Their actions are in violation of my rights, and I am entitled to {$1000.00} for each of the violations outlined. They must either compensate me accordingly or remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, a dispute was sent to Experian for a fraudulent credit inquiry and employment information. Experian responded and although the fraudulent inquiry was removed from the report, the fraudulent employment information still remains.
Product: Money transfer, virtual currency, or money service

I opened an account XXXX XXXXXXXX at Current.XXXX. I transferred {$2000.00} into Current from my credit union. Shortly thereafter Current closed my account, keeping my {$2000.00}. I contacted FINCO Services and XXXX XXXX XXXX  to request that they refund the {$2000.00} to XXXX XXXX XXXX XXXX, routing number XXXX, Account # XXXX. They have not responded.
Product: Checking or savings account

We deposited a lawsuit check for {$79000.00} on XX/XX/year> into our chase bank checking account via an ATM. per the Federal regulations, a certain amount of funds should be made available to us within 24 hours and more thereafter. It has been 3 days and we have not received any funds and our money is being withheld from us causing us to be financially strained and our account to be overdrawn. We have called chase 3 times to request the funds be released and they are refusing saying XXXXXXXX XXXX who issued the check doesnt verify funds but theyll be available on the XXXX. If they dont verify funds, how will they be available on the XXXX but not immediately? Chase bank is violating federal law by withholding funds from consumers.
Product: Vehicle loan or lease

Wells Fargo has failed to answer each Fact stated in Affidavit of Truth, comply with Cease and Desist and pay the Invoice sent for consumer law violations. Wells Fargo received these documents on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX., I received an email attempting to collect a debt I do not owe. Not only do I not owe this debt, it was recklessly sent to the wrong email, & I now am in possession of anothers personal information. This email was sent to XXXX, I also have XXXX, XXXXXXXX XXXX XXXX email addresses to prevent a mistyped address. This practice of sending emails to unknown, unverified, & or former email addresses, is a violation of consumer rights. This practice might be acceptable if, the email was verified by the recipient, prior to confidential information being released. Not only embarrassing, but any communication I reply with, could be entered as a communication from the intended recipient, thereby affecting that consumers rights. 
Please finally do something to address this practice, NOT JUST THIS OCCURENCE!
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to Experian for them to provide me with the XXXX XXXX  XXXX for this account and to date, they have failed and I am requesting it be removed immediately from my credit profile.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. 

Note : Company is not authorized to do business in Texas where my legal provided id is located And several companies have unauthorized inquires on my report.