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

On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. Experian, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from XXXX XXXX that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to XXXX XXXX as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to XXXX XXXX on XX/XX/2023. 

- Monday, XX/XX/2023, a payment of {$2200.00} was made to XXXX XXXX. 

In total, with all payments made, it should add up to {$8100.00} which is the total amount XXXX XXXX states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. 

I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. 

Experian reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. 

According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. 

Meaning, a transaction or experience with XXXX XXXX such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that XXXX XXXX had with myself which is against my consumer rights for this information to be reported. 

Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. 

The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because Experian continues to report false information on my account which in term has decreased my credit even further.
Product: Debt collection

I received a notice of a law suit by a company called XXXX XXXX XXXX with the case name XXXX XXXX .... 

I never had an account with XXXX, I don't owe this debt. The lawsuit says I owed a company called Citibank, I never had an account with Citibank either. 

Maybe this is for someone else, and they got me mixed up. 

I don't owe this debt. I want this lawsuit dropped and my name cleared.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX, received via mail, PA ( Pennsylvannia ) Visa US BANK Reliacard. Called company to report fraud, as we knew this was not ours. Wait time to report fraud 6 hours. Called again and automated phone system said, over {$10000.00} was on this card. It appears to be an unemployment, COVID 19, or some kind of GOVERNMENT FUNDS. Called out of desperation XXXX XXXX   XXXX, and reported card. They did not want to cancel the card, but gave me another # to US BANK ... .but I insisted they kill this card. They did. Still say I need to report to US BANK ... ..the best wait time so far was 2 hours. I'm sorry but I have XXXX parent, and CAN NOT do this. Did call repeatedly, and finally put in the account # 's on automation line, and it identified owner of account ... '' .NEBRASKA ??? INMATE '' ... ..a prisoner???? So my identity is stolen. I have put freezes on credit ... .with one company asking for it by mail. I discovered another amount of over {$2000.00} on my credit, ( XXXX cell phone ) and I have a very high credit score, and this is not my bill. I have never owned a XXXX Cell phone. Have also contacted XXXX, but says I have to prove that it is not me. The " XXXX '' in my name is not the same. I have contacted my credit union to change all my account numbers. I am scared to death.
Product: Payday loan, title loan, personal loan, or advance loan

I took out an installment loan of {$3000.00} on XX/XX/2023 and was to be making bi-weekly payments of {$180.00} to XXXX Bank ( Integra Credit ) After making 6 payments to this lender I noticed that my balance had actually increased to over {$3200.00} and after contacting them they never provided me what the reason was for of this and I have been in contact with them ever since trying to settle this debt and they have amassed late fees and charges to the amount of {$4300.00}. They have reported the loan as delinquent to my credit agencies and I have attempted to get them to work with me so that I can close this account, the only option they offer me currently is a {$1300.00} settlement offer to destroy my credit. I have asked this situation to be escalated internally via XXXX XXXX support and they have come back to a resolution of, offering to waive a one time late fee of {$15.00}. This place is a predatory lender and should be notated as such within this data base to assist consumers going forward. I have paid {$1700.00} ( screenshots enclosed ) for this and I am proposing a settlement in full for complete removal from my credit report in the amount of {$1200.00} which would be the full amount of the {$3000.00} borrowed. This company has been unwilling to work with me on this, I am seeking the next steps from the Nebraska Attorney Generals Office currently. I appreciate this agencies willing to help consumers.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

Bank of America charged my credit card with an item I did not purchase. After 10 months, they eventually recognized that I had not made nor authorized the purchase and removed the charge from my account. However, they continue to charge late fees and interest on the fraudulent charge. I have not made any further purchases on this card and have asked them to remove all of the late charges, fees, and interest and close this account. They have not.
Product: Credit card or prepaid card

I am a single father in the military. While XXXX from XXXX to XXXX, I left my children in the care of my sister. I continued making payments on the card trying to keep my balance XXXX  throughout the XXXX. I returned in late XX/XX/XXXX. I was activated again in XXXX. Again, I left my sister in charge of taking care of the payment. Upon my return, I discovered the payments were 60 days past due. I had pleaded and beg the company to reconsidered the negative lateness of the account to the credit reporting agency. I told them I could restart the payment and took care of the charges that were late. I explained that I was on XXXX XXXX orders and the person I left in charge to make sure the bills were paid did not perform as agreed upon. I was told it did not matter if I were on XXXX XXXX orders or not. I paid the late fees and brought the account up to date. The account has not been late since.
Product: Student loan

Hi I am BOMBARDED by calls from XXXX XXXX XXXX XXXX - I finally called back and only said I had a loan and my first name. They immediately confirmed they were working with the XXXX XXXX XXXX and they could help. I asked for their online website where I could verify them. The guy said have a good day and HUNG up on me. So this IS phishing as I suspected and theyre relentlessly dialing. I have numerous phone numbers I can associate to this scam.
Product: Credit reporting or other personal consumer reports

Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported XXXX  Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Checking or savings account

I received a letter from Wells Fargo dated XX/XX/2023, 5 years after I closed my account with them. 

I called the number on the letter provided and it was a robot and was not Wells Fargo. 

I called the real number for Wells Fargo and got a hold of a customer Service person. When I called them to ask about the letter they stated the letter is legitimate and that I need to just deal with what they opened. They enrolled me in ID theft protection without my consent or authorization. They refused to close the account or provide any sense of remediation. When I explained to them that the number provided on the letter was fake and a robot, they stated I needed to call that number back to confirm all my information with the fake number.
Product: Credit reporting or other personal consumer reports

Experian has failed to properly investigate my dispute and failed to remove inaccurate information from my credit report nor provide any of requested documentation pertaining to the procedures used during their " alleged investigation ''. The information pertaining to an alleged collection account, XXXX XXXX has improperly reported to my consumer file for 2+ years causing financial hardships and denials of credit opportunities. XXXX and XXXX has removed this inaccurate/ unverifiable account. Experian has not removed this unknown account and hasn't responded to my request to provided documentation of the procdures used to verify this debt. The Debt Collector has failed to identify themselves properly to me nor provide any documentation to validate this alleged debt. I have sent SEVERAL request to Experian to XXXX this unverifiable collection account or provide documentation that validates this debt to my name and Experian has not done either. I've asked for proof of Verification to Experian 's investigation since XX/XX/year>, XXXX months. Experian is in violation. Delete these accounts and unauthorized inquiries immediately. See below documentation.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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
Product: Debt collection

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Money transfer, virtual currency, or money service

Complaint CFPB I need help to solve an issue with Paypal : Paypal transferred money to the wrong person and even though I canceled the transfer they did not want to refund my money. Attached is the proof that I cancel immediately and that they deposit to the wrong person. 
I tried to dispute the charge with them but nothing happened then I disputed to my XXXXXXXX XXXX XXXX and they investigated and said that the transfer was my error. ( That doesnt mean I should not be able to cancel ) XXXX XXXX. XXXX PAYPAL XXXX {$2500.00} Cancelation dispute ID XXXX Please Fwd . this chat to XXXX card also. 
My CC last XXXX are : XXXX Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This tradeline is not being reported with the utmost accuracy, and as such, it does not reflect my true credit history. Under the FCRA, credit reporting agencies are required to ensure that all information in a consumers credit report is both complete and accurate. The inaccurate reporting of this tradeline is a violation of these obligations, and it is unfairly damaging my creditworthiness.
Product: Credit reporting

I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are requi red to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I proactively called US Bank to let them know Ive fallen on a financial hardship. Expressed the current payment monthly is just a little high of what I can pay. I shared my whole story and they basically laughed and gave me two choices. Dont pay and go to collections or underpay and get late fees that wont stop until the minimum is met. I tried over and over again to get them tk compromise and they kept telling me they could not help me. Wouldnt even try and find a solution. I dont NOT want to pay. I just cant pay all the min and that isnt good enough. Theyve never helped me when Ive asked. They are causing severe mental and emotional turmoil. I cant afford to sue them for it so thats why Im here.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPRIAN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.