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

Ive communicated with ( XXXX, XXXX, and Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX XXXX XXXX To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
Product: Debt collection

TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Product: Credit card

I'm desperately trying to resolve my balances for a few credit cards with Indigo Credit Card. THE ACCOUNT IS UNDER THE NAME XXXX XXXX. 
I've always been current and the account is now closed. I am low income and struggling to make ends meet and want to achieve good credit again. I am seeing if this agency can negotiate with this credit card company to reduce half of the balance owed on the account. I am more than happy to pay this amount and it would truly help me get back on top of finances and earning a good credit score for the future. I appreciate any help you can offer. Thank you. Please reduce the balance in half as I am more than happy to pay this amount. - Please see my attached and recent -Credit Card Statement from Indigo Credit Card .
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.
Product: Debt collection

Accounts : XXXXXXXX XXXX XXXX  ( Original XXXX XXXX ) : Account number : XXXX date XX/XX/2021 Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. 

15 USC 1692a ( 4 ) - [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment.

Notice, it is a fact, affiant is aware, this inquiry is unauthorized and has been furnished without my consent. There was no permissable purpose and is a violation of 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ). Remove these inquiry as seen on my credit report.

see attached pdf
Product: Credit card or prepaid card

I did a points transfer of miles from my Venture XXXX card to XXXX XXXX. The transfer never went through and I made a case with Capital One about this. They still have not resolved this for me by crediting the points back. I'm more than frustrated. 

In addition, I went to XXXX in XXXX of XXXX  and I had issues with a few merchants. I opened disputes regarding several transactions and even submitted documentation proving why I should be credited back. Capital One sided with the merchant multiple times and unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items were100 % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX BANK Account number XXXX Account name AXXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have never heard of this company at all. So i don't see how they are trying to collet a debt i never had with them. I also never agreed for any of my information to be sold to anyone at all. I have certain right that are protected with my XXXX XXXX.
Product: Checking or savings account

There is a negotiation and fees listed 3 times for 2 months, different XXXX charges they couldn't find while searching for numbers etc. I emailed the company for negotiation to get my money back and to ask them to stop charging my account I did not give them permission I contacted TD bank. They gave me one credit if XXXX. My dispute was for XXXX in total with charges they denied my claim. I submitted another one still nothing after 10 days. I'm angry. I shouldn't have to ask more than once for my back to fix a problem.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Experian has been inadequate. 

Here are the details of the issue : Report Number : XXXX & XXXX & XXXX Dispute Submitted : XX/XX/year> XXXXXXXX XXXX XXXX  ( XXXX ) Account No : XXXX Original Dispute Reason : This account does not belong to me. 

And : Report Number : XXXX XXXX & XXXX Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Experian informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Experian to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Experian claimed they updated the item but did not provide any documentation to support their findings. 
I asked for the supporting documentation, as is my right under the FCRA, but Experian has failed to respond appropriately. 
The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Experian : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Experian comply with the 30-day investigation requirement as mandated by the FCRA.

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX 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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, 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 unde

r 15 USC 1681. 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 reasonab
le cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a loan on a car with XXXX  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the XXXX  and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was XXXX  who put it in as a repossession. I called XXXX  and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.
Product: Credit card or prepaid card

Hello and thank you On XX/XX/, I noticed a charge on my XXXX credit card ( Company is Capital One ) when viewing transactions online, that a charge, {$22.00}, was made XX/XX/ which was not my doing. I called the credit card company on XX/XX/XXXX, they documented the information I shared which was that this is not a charge I made nor a merchant know/have been. I told them I had the card in my possession so they then instructed me to shred as they were sending a new card. I received 2 letters dated XX/XX/XXXX  from Capital One : 1st one : confirming they have mailed the new card and that they have put a temporary credit 2nd one : states that they found insufficient evidence of fraud because information discovered leads them to believe that I or another account user benefited from the transaction. 

I immediately called again to dispute this letter because I did not make the charge nor authorized anyone else to do such a thing. They were very rude and abrupt and literally called me a liar. 

I really didn't want to pay for it however do not want my credit to be affected. Please is there something you can advise. Thank you.
Product: Money transfer, virtual currency, or money service

I was informed if you sent money by Western union and I am a victim of email scams. I can be reimbursed by XXXX, I had filed my case in XXXX were informed it will take more than a year. I suddenly had an email to say they sent an emailed to asked for documentation without saying which documentation were requested but now my time has passed and I can still send the documentation but not guaranteed it will be accepted. I did not receive the emails they said they send, but I had tree other persons emailing me to say some payments were made in XXXX XXXX mine will take 120 days to be paid. Can you please help me. As I am in so much debts I had borrowed the money to send to the scammers, please help me. Thank you
Product: Debt collection

LAST CHANCE TO DO THE RIGHT THING AND HAVE ZICKER AND ASSOCIATES VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER XXXX BANKRUPTCY. CASE XXXX
Product: Mortgage

It was discovered I was a victim of predatory lending and given a predatory loan on XX/XX/2007. To date almost 9 years later this has NOT been resolved. In the process it was discovered the mishandling of a loan closing, processing of payments and loan modification process by a Financial Banking Institution .A Financial Institution who is held by Federal and State Laws. Please see attached document for detailed timeline to tell you the what has happened to me since XX/XX/2007
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check to capital one bank. The check was for {$2800.00}. Capital one bank held the check for verification. I called several times for information on when the funds would be released. it has taken me till XX/XX/XXXX to figure out what happen to the funds. capital one bank closed my act. and moved the funds to a limbo acct. even though I had both institutes on the phone verifying finally that the funds were valid. capital one requested that the institute that the check was issue from ( XXXX XXXX XXXX XXXX ) ask for a harmless release hold letter to them so they ( capital one ( can send my money back to the bank. So when I called XXXXXXXX XXXX XXXX XXXX. The rep told me that they do no such thing. The rep informed me that I needed to report on a fraud government site and request my money be released to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav e a Kohls account that I always paid on time when it was due but one month t hey never sent me a bill and so i did n't know that anything was due that month. When they called to inquire about the payment I paid them right when I found out anything was due. The next month I noticed that they had put a late payment of 30 days on my report. This was not 30 days late and nor was it my any doing of my own. They erroneously put me on a paperless billing and my bill they sent me went to my spam folder so I had no way of knowing that they were billing me. This is why I always get the bill through the mail.
Product: Credit reporting

Experian is listing fraudulent and erroneous information on my credit report. Experian is listing XXXX fraudulent accounts, XXXX incorrect spelling of my name. Never signed my name like this, because it is not my name. Experian is listing XXXX addresses on my credit file, where I have never lived. I sent Experian and Identity Theft Report, to have all this fraudulent and erroneous information removed from my credit report. Experian still will not remove the information. According to the Fair Credit Reporting Act, once Experian received the Identity Theft Report, they were supposed to Block all this fraudulent information listed on my Identity Theft Report from showing on my credit report. Experian has violated the Fair Credit Reporting Act. 

No agreements or contracts exist, that contains my signature showing, I opened an account with these creditors. No lease or rental agreement exist, with my signature, showing I have lived at these places. Experian is knowingly listing this fraudulent information on my credit report. Please make them remove it. 

FRAUDULENT and ERRONEOUS INFORMATION that needs to be REMOVED 1. Name : XXXX. My name is XXXX 
2. Account : XXXX. Account Number : XXXX I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
3. Account : XXXX. Account Number : XXXX I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
4. Account : XXXX XXXX. Account Number : XXXX .... I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
5. Account : XXXX XXXX. Account Number : XXXX .... I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
FRAUDULENT ADDRESSES that need to be REMOVED 1. XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived here 2. XXXX XXXX XXXX XXXX XXXX. I have never lived here 3. XXXX XXXX, XXXX XXXX XXXX. I never lived here 4. XXXX XXXX XXXX XXXX. I never lived here 5. XXXX, XXXX XXXX XXXX. I never lived here 6. XXXX, XXXX XXXX XXXX. I never lived here. 

My address is : XXXX, XXXX XXXX XXXX. That is the only address that should be listed.
Product: Mortgage

Truist has been overcharging me. They increased my escrow back in XX/XX/2022, but my taxes did not increase nor did my insurance. I verified this with the city , county, and insurance company. Truist 's own tax department confirmed that Truist made a mistake and should not be overcharging me. however, Truist continues to overcharge me, and the company completely ignores my calls and emails. Customers are made to wait on hold for 1+ hours each time we call. The " client advocacy '' department never ever picks up the phone or calls back. This is illegal for Truist to increase my escrow and overcharge me. I have already submitted a complaint to the XXXX but they still haven't dealt with the issue. I have also complained to FDIC but they referred me to you. 
This is not the first issue I've had with Truist. their online system was broken for months and wasn't properly processing my mortgage payments. once again, I couldn't reach anyone by phone, and their online chat function doesn't work. instead of fixing the issue, they kept showing my mortgage as " late '' despite me trying to pay every month online and their system being broken. they are the WORST bank I have ever dealt with. Why are you allowing them to treat customers this way? They are literally stealing my money and getting away with it, and I have no recourse! 
Truist keeps telling me and the XXXX  that they're " working on it '', but nothing ever gets resolved or fixed. there's no point of contact, and no one I speak with has any information on the resolution. i'm so exhausted from spending so many hours on this simple issue they refuse to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. 

Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. 

This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012.

In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed.

This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting.

Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.