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

Experian has to remove inquiry placed on my credit file by XXXX XXXX XXXX per XXXX request dated XX/XX/XXXX and XX/XX/XXXX XXXX XXXX because They were both unauthorized and the furnishers request to remove the unauthorized inquiries Is attached. Please remove the unauthorized inquiries from my credit file and send me a copy of my updated credit file to the address on file.
Product: Debt collection

I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the fcr by your company.This has caused me financial injury defamation of character, I cant apply forr jobs and i cant apply for credit i cant even get a sba loan or any thing like that due to the pandemic under this crisis you have hurt my ability to obtain credit.My children and i are suffereing, and my family have made a mockeryand my community has looked down upon me .I refuse to convert back to my old ways that cost me years XXXX XXXX for breaking laws just like your company has done.I am ashamed of the things i am going through and it is a nightmare for me and my loved ones.I have turned a new leaf transitioning into society to do the right thing just to be violated by company career criminals that have taking advantage of me at my lowest poinjt.I am beyond fed up and i am willing to take this issue to the furthest exent of the law if a remedy is not presented under the federal law and uniform commercial code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian issue with a closed XXXX XXXX  account. I had a long time ( over XXXX yrs ) XXXX XXXX bank Master card account with EXCELLENT Payment history that I closed in XXXX. My limit was over {$26000.00} and I paid off over {$25000.00} ( NEVER LATE ). 

Well someone at Experian with bad intentions, DELETES this account from my file on XX/XX/XXXX, then drops my score XXXX points because there is no longer credit history. 

The XX/XX/XXXX credit report shows my score as XXXX. 
The XX/XX/XXXX credit report shows my score as XXXX. 

And no reason was really given as to specifically why. I had to research & discover the closed acct was deleted. Was it really bothering Experian to just leave that Master card acct on my file because it shows a potential lender excellent payment history?? 

What do you think?? 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written dispute letters to XXXX, Experian and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit card or prepaid card

My   XXXX   XXXX   XXXX   XXXX   account ( ending in  XXXX  ) was closed on       XXXX   XXXX  2017      due to late payments. I received a call from a Navy Federal Credit Union Representative at   XXXX  ext.  XXXX  . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on  XX/XX/2017    ; {$880.00} on  XX/XX/2017    ; {$740.00} on  XX/XX/2017    and {$360.00} on  XX/XX/2017   . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on  XX/XX/2017    ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the  60days  policy was true and that it was n't a  30days  policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the    XXXX   XXXX   XXXX    in  XXXX ,  XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on     XXXX   XXXX  2017    ,  I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing  30days  from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On     XXXX   XXXX  2017    I contacted the representative at ext.  XXXX  again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr.  XXXX  at  XXXX  who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at  XXXX  did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e.
Product: Checking or savings account

I received my security deposit back from my landlord and deposited the check via Chase App on XX/XX/2023. The amount was {$6300.00} which was cleared briefly in my account on/around XX/XX/2023. When I logged back on to my account on XX/XX/2023, I discovered that both my checking and savings accounts had been closed by Chase, and all funds ( around {$6400.00} ) were gone, also no history of my accounts was available.

When I called customer support, I was told since there are two names on the check ( mine and my roommate 's ), they were not able to verify with the other party, thus took all my funds and closed my account. I was instructed to give them my roommate 's phone number for verification, but they said the number is not registered, and thus can not be verified. My roommate and I had agreed to deposit the check in one person 's account and deal with it on our own. Both my roommates and I are XXXX XXXX  here in the United States, therefore we can not get post-paid numbers. Both of our phone numbers are pre-paid, and Chase said they can not verify that. Chase told me the phone verification was the ONLY way, no other options were given to me.

After trying to get them to verify the check and did not work out, I asked Chase to return the funds back to the issuer ( my landlord ) so that they can issue me a new check. This phone call was made on XX/XX/2023. But Chase said I can not do anything to my funds, I had to ask my landlord to recall the check. After contacting my landlord, I was told they can not recall the check since the funds are already out of their account. I can provide the email history between me, my roommate, and my landlord if needed.

I am left with no options as to how I can get my money back.
Product: Credit reporting or other personal consumer reports

Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TransUnion XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX XXXX XXXX XXXX # XXXX. 
XXXX {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$69.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} Date opened XXXX
Product: Credit reporting or other personal consumer reports

I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


XXXX XXXX -TransUnion 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 XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquries.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS LLC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$300.00} Date Updated : XX/XX/2019 Original Amount : {$300.00} Original ChargeOff : {$0.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION This showed up on my credit report which I monitor. I recently had a bankruptcy just fall off. Just as soon as I seen it I disputed it. XXXX  says it is a company no longer in business which would be the orginal creditor XXXX XXXX XXXX. I have had online installment loans, but never online payday loans. This is not my account. I have never once recieved a notice stating I owed a bill or a email for that matter.
Product: Credit reporting or other personal consumer reports

Please remove the derogatory information from XXXX, XXXX, and Equifax credit reporting agencies.
Product: Debt collection

Employee XXXX called my office using different names and claimed she was a customer of mine to get through the screening process. We are a CRA so all calls are recorded. Did not indicate her true intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  / XXXX and Experian are reporting an account on the credit report that I have been trying to have updated or removed for specific reasons. My rights are important to me and understanding that they are deliberately ignored is not something that I am okay with. 
There is an account with XXXX  XXXX and this account has a lot of missing fields, inaccurate balance, payment amounts and payment months. I wrote to Experian so they can communicate with XXXX and all they did was confirm they received the dispute and leave the information reporting. I have a screenshot of the errors and have highlighted them problems. 
An investigation already should have taken place so the account should report accurate and up to date information. There should be no investigation happening now unless they lied about the previous investigations they said they had. Either one still violating the fcra that protects against type of abuse in reporting. This account needs to be removed promptly. I need a response from Experian and XXXX.
Product: Checking or savings account

In XX/XX/2022 I opened an 3 accounts with E-Trade. The whole time the account was open they would not let me use it. After about 6 weeks they told me that they were shutting the account down. They wouldn't tell me why. But all of my bank accounts have been closed and assigned a new account number with the name of XXXX XXXX and address XXXX XXXX XXXX XXXX WV XXXX. Even after I proved my identity. A little over a year ago my Id was stolen by XXXX XXXX. When I called the customer service and they told me to go to the bank and show my ID. I did and the bank just lied about the account. The police are refusing to give me a identity theft report. I don't know what to do.they told me that when I got an identity theft report to contact them. And they also sent me a letter that said if they closed my account by mistake to call them. When I called they hung up on me. I'm homeless because of identity theft
Product: Bank account or service

I 've just learned that when a person uses Capital One online Billpay they are at risk of having their money stolen by Capital One. Here 's how : When you approve an online bill payment the amount is debited from your account the moment you click " send ''. Then a check is sent to the payee. However, if 90 days pass and that check has not been cashed or deposited Capital One never returns the money to the customer / PAYER 's account and never notifies the customer. They just keep the amount of the transaction. Forever. 

I 've just had this confirmed by a manager at Capital One. When I pressed him on Capital One therefore basically getting to keep my money he said " no its in limbo '' but that is not true. The amount still remains on Capital One 's books as an asset because the money has never been transfered to another financial institution as would happen when the check was deposited or cashed and the cashing or depositing institution requests the funds from Capital One. Not only is this practice fraudulent but when questioned on it Capital One counted on my ignorance of how banking works to lie to me about how they benefit from the policy. 

In addition, while Capital One will never return your undistributed funds, the PAYEE only has 90 days to cash or deposit the check. You would think that after that same 90 days the funds would go back to the Customer / PAYER, but this is not the case. 

Therefore, in essence, every time you send out a check with Capital One 's online billpay, an invisible 90 day timer starts, and when it 's up the PAYEE ca n't collect, the PAYER is never notified, and Capital One gets to keep the customer 's funds. 

I have been informed by Capital One 's representatives that if you call and ask them to give the money back, they will, after charging you a fee. But If the PAYEE never informs you that they either did n't receive or deposit/cash the check Capital One never informs you, so you do n't even know to call and ask for your money back. Then they get to keep it. I 'm sure the combination of this policy, the lack of any notification from Capital One, and how they benefit is just a coincidence. 

The basic form of this situation is : 1. I ask Capital One to perform a financial transaction for me ( Bill Pay ) 2. Capital one debits the amount of the transaction from my account. 
3. The financial transaction does not complete within 90 days ( The Payee never receives or claims the funds ) 4. Capital one never notifies the customer that the transaction did not complete and never returns the funds. 

How can this policy and order of events, confirmed by Capital One, be described as anything other than fraud?
Product: Debt collection

On XX/XX/year> I paid {$4000.00} out of the {$5300.00} owed due to a settlement agreement with XXXX. I was emailed a settlement letter on XX/XX/year> stating that {$4000.00} was the amount agreed upon. I called and paid the {$4000.00} via the phone. I had several conversations with a representative regarding my account and in the end the {$4000.00} was the settlement agreement. I was told my loan would be closed and I no longer owed any more to the company. I received a debt collection letter in the mail recently and was surprised that it shows I owe the {$1300.00}. I do not owe this amount. I reached out to XXXX, but have not gotten a response. The conversations I had with the representative were recorded on their end, so if you need proof, please contact them for the recordings. I can provide the letter.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$640.00} & XXXX. XXXX XXXX XXXX Balance : {$65.00}