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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX  ( XXXX ) and XXXX  ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by CFPB.
Product: Credit reporting or other personal consumer reports

I keep receiving alerts from Experian that I no longer have a credit score. I will receive an email, and it shows up as an alert on my account. However, when I log in, it shows my credit information accurately and includes a credit score. I have been getting these alerts for a year now, and I'm worried that when I apply for credit, Experian will tell prospective creditors that I have no credit score.

When I called Experian to speak to someone about this, I could not get through the phone tree. It kept telling me that there was an error. I asked multiple times to speak to a person, pressed XXXX, and tried every trick in the book so I could speak to an actual human about my problem, but I could not reach a human. 

Experian is doing their very best to avoid actually talking to their victims. There is no way to contact them apart from filing a dispute or calling the phone number. They are trying to avoid the work that comes with fixing their problems, so they are preventing their victims from having any way to actually tell them about the issues with their website and service. Even the " voluntary survey '' about their website doesn't actually work -- there's no way to advance the survey past the second question. 

Experian is unwilling to receive feedback or any sort of communication, they just want to sell our information and for us to shut up and quit bothering them. What other message could this sort of behavior send?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was listed as part of the 143m credit reports that were affected in the Equifax breach reported yesterday. 

The company has admitted to the breach and started that they " deeply regret '' the occurrence. I believe that they knew about this well in advance of the announcement, and their gross negligence in identifying the breach is nothing short of criminal.
Product: Mortgage

To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCTXX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XX/XX/XXXX with ACCT XX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX XXXX : {$310.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and I notified XXXX and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX
Product: Checking or savings account

Last XX/XX/2023 I had made a deposit into my account ( XXXX ) by using my atm card ending with XXXX issued from bank of america while using the drive thru ATM machine deposit of bank of america located at XXXX XXXX XXXX XXXX XXXX  with zip code number XXXX and suddenly the atm eat my money that was amounted into XXXX And it cancelled the transaction and eat the money
Product: Credit reporting, credit repair services, or other personal consumer reports

: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : Equifax Information Services LLC XXXX XXXX, XXXX XXXX XXXX XXXX Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesXXXX, XXXX, and Equifaxfor inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX  XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXXXXXX - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed. 
* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX  - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This companies listed accessed my credit information. 
I have never applied anything from this companies. 

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2023 and a balance of {$1800.00}. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.

( it also states, a consumer reporting agency can not furnish an account without my written instructions under 15 used USCS 1666B a creditor may not treat a LATE payment on a credit card account under an open and consumer credit plan as late for any purpose. Please update to paid on time because the information being reported is NOT accurate
Product: Credit reporting or other personal consumer reports

I would like Wells Fargo to stop sharing my nonpublic personal information with non affiliated third parties including the consumer reporting agencies : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax cybersecurity breach. It is my understanding that I have been impacted by the breach.
Product: Money transfer, virtual currency, or money service

This compliant is a follow-up to Square App response, they don't refund errors. I would like Square App., to return my money. I requested the name and additional information about the person and learned they were unaware of the transaction. The information, I have available states the person did not receive any money. If I don't receive my {$100.00}, I am going to file a judgement in court on theft charges. The incident happen on XX/XX/2019, my son was showing me how to use the cash app, my finger pressed the wrong number and send {$100.00}, to a unknown person. I immediately contacted my bank and explained the matter ; they reversed the {$100.00}, back into to my account. On XX/XX/2019, I received a notification, the money had been withdrawn ( again ) back to the same person. The bank informed me to contact Square App., because they requested the money ( again ). The purpose of writing this follow-up, I would like Square to show prove they deposited {$100.00} into the person account with the date.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account information XXXX XXXX Account number XXXX AccounXXXX XXXX XXXXXXXX XXXX  XXXX  days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account information XXXX XXXX Account Number XXXX Status Account XXXX XXXX {$130.00} XXXX XXXX {$130.00} past due as of XX/XX/XXXX XXXX XXXX must be removed from my Equifax character report,
Product: Credit reporting or other personal consumer reports

XXXX. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Vehicle loan or lease

XXXX # XXXX, loan under XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXX, loan was paid in full in XXXX on time. Assumed title was electronic, until I sold car and lue. Is still in car. Worked with regions sent all info on to get lien removed and lien is still on car. Please have them remove it. Faxed all info to regions purge line and worked with XXXX XXXX bank president. Told me luen be released 10 days ago and lien still on car loan under XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. Phone XXXX. Vin above. Requesting release of lien car is sold and I can not get title. I did everything they asked and still no release. Bank says it's in purged accts and gave me fax number to release lien, XXXX XXXX faxed info to appropriate line. Nothing happens. XXXX are me do not have loan number any more due to age of loan. I sent ss XXXX, vin and requested lien be removed n it still in car
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent letters to Equifax, XXXX, XXXX  stating pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX DSNB MACYS XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Re : Account Number XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there are inaccurate accounts on my credit report so please check the documents I've sent
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2019, MoneyLion approved and sent me a personal loan of {$500.00}.  The payments were reoccurring, drafted automatically from my checking account. Because the payment were automatic, I quickly forgot about it. 

On XXXX XXXX, 2019, a 30-day late/delinquent account appeared on my credit report and it was from MoneyLion. Due to a recent change from my bank, the payments were no longer going through. 

However, if you were to check the phone application, it states that Im still on track for paying my loan. There is no indication that the loan is late. 

There was no notification that my payments werent going through. I was not contacted once. To make sure, I checked my email, the application on my phone, any missed calls/voicemails, text messages, or physical mail ; no correspondence was received in regards to the potentially negative credit reporting that was about to occur. Rather, I was being sent promotional emails. 

Part of the problem was my fault ; not checking if the payments were going through. However, I was mislead by their phone application, saying that I was still on track to paying my loan. I thought everything was still okay. 

I tried to remedy the problem by just paying all the loan at once. When submitting my payment, the application glitched and my payment did not go through. Multiple error messages would appear. I tried three other payment sources from three different banks, and I would still receive an error. 

I then called MoneyLion, or at least attempted to. I spent half the day trying to reach someone about this urgent matter ; all my calls were eventually dropped. The longest I waited was 40 minutes, only for my call to be dropped. 

Finally, I submitted an email to their support team, only to be given a generic automatic reply saying I can check my loan status on the app, which was not helpful. 

I still need to pay the loan, and another potentially negative mark might appear on my credit report. 

Working with MoneyLion is incredibly frustrating, especially when its almost impossible to pay off a loan. 

Proof will be attached with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance refuses to remove negative item even though a settlement if this isnt removed. Ill sue them!
Product: Debt collection

I had a medical debt that went into collections with MBA law collection agency. The balance was from XXXX XXXX XXXX hospital in Florida for the XXXX  of my son. I paid {$5000.00} in advance to my XXXX  for my XXXX   and XXXX. I then paid any additional statements I received from the hospital. I moved shortly after the XXXX of my son and never received any additional statements despite having my address changed with the post office. 
When I attempted to buy a car I checked my credit online and found a collection account from the hospital. I was denied a loan for a car due to this. The hospital never responded to my repeated requests for information and neither did my obstetrician. 
Defeated and fearing for the credit score I had worked so hard to obtain, I worked out a payment arrangement with the collection agency and have paid consistently and paid my agreed upon balance due over a six month period. 
I went online months later to check my credit score so I could try again to buy a car and found that MBA law has opened a second collections account for the same balance I have already paid off! They never removed the account I paid off and they also opened a fictitious account ( with the same original debtors information ) under their partner company ( XXXX  ). Now I have three separate accounts in collections for my one original debt that I was so excited to have finally paid off. I have not received response from MBA law,  XXXX or the original creditor when I tried to find out why they keep sending me to collections for the same original balance due. 
I even attempted to settle the amount with the hospital if they would only share with me the details of the debt. I have no reason to believe this is an accurate balance due, but they are affecting my means of transportation and therefore my ability to provide financially for my family. Here I am several months later still trying to find answers and I have come up empty handed and begging for rides from friends and family. Please help me.
Product: Checking or savings account

Wells Fargo had a promotion of {$250.00} if I open new checking account prior to XX/XX/XXXX and made a qualify deposit of greater than {$500.00}. On XX/XX/XXXX I opened checking account with and made direct deposit on ( XX/XX/XXXX and XX/XX/XXXX ). I had yet to receive the {$250.00} that was advertised.
Product: Credit card or prepaid card

American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. 

The date the issues started was XX/XX/2018