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

I had paid off and closed my XXXX XXXX account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to XXXX XXXX  saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told Experian I didnt pay this closed account and took XXXX points that I worked hard to get and please contact Experian to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that XXXX XXXX said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!
Product: Credit reporting

Tried to obtain my annual credit reports. XXXX was no problem. Equifax and XXXX both were unable to send. Equifax questionnaire asked questions but none were related to any information about me. XXXX did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.
Product: Mortgage

Attempted to pay off the mortgage. Bank did not dishonor, reject or return my payment coupons and didn't close the accounts either. 
Attempted to have the debt validated by bank. Requested validation twice. 
Bank refused to answer any letter. Notified bank of contract change due to lack of response and lack of validation. Bank is now attempting to take action. Harassing letters are non-stop with the threat of foreclosure and now a lawyer has joined the team signing the same thing. 
But they will not answer any questions from the XXXX XXXX!!! No contract with XXXX wet ink signatures has been shown, only a photocopy of the original note. 

They are not in compliance with the UCC and the bank is violating my rights under the XXXX of law. The Maxims of XXXX XXXX apply to everyone!!!
Product: Debt collection

Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.
Product: Bank account or service

I had a {$600.00} withdraw taken from my husbands checking account that I am joint on. He has worked hard and overtime for his money for months. They claim there is a checking and savings charged off from 2008. I have no clue what this is from. Plus over {$1000.00} is from fees and charges. What on earth kind of bank would let an account accumulated over {$1000.00} in fees and charges. This is downright nuts. They will not provide me any proof of this information and how on earth can a savings get a negative balance? I want immediate action to have this money put back in the account. My name is XXXX XXXX XXXX
Product: Debt collection

I received a letter from this collection company seem like they are trying to reaging a debt it has already been taken off my credit reports. it has pass the time for to be remove and now this collection agency trying to collect until they have some validate docs showing any type of signature stating that i owe this debt they trying to offer a settlement all of a sudden you trying to contact me not stating any information for any reason someone could have been using my ss number to open a account til i get any documents bill statement is not showing anything need this company stop trying to contact me i will dispute this if i have to you messing with my credit reputation im trying to fix my credit at this moment
Product: Credit reporting or other personal consumer reports

Hard inquiries listed on credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to respond to my dispute letters regarding inaccuracies found in my credit report. Despite my detailed explanations and requests for corrections, Experian has neglected to address the discrepancies within the legally mandated timeframe. 

As outlined in my original correspondence sent on XX/XX/2023, I provided Experian with a thorough list of errors found in my credit report, including discrepancies in personal information and inaccuracies in account details. Despite the seriousness of these errors and their potential impact on my financial well-being, Experian has failed to conduct a proper investigation and rectify the inaccuracies. 

The Fair Credit Reporting Act requires credit reporting agencies like Experian to promptly investigate and correct any inaccuracies reported by consumers. However, Experian 's failure to respond to my dispute letters has not only violated my rights as a consumer but has also caused unnecessary stress and uncertainty regarding my creditworthiness. 
The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Experian fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed a copy of my original dispute letters sent to Experian for your reference.

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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following inaccurate accounts that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to see inaccurate accounts listed on my credit report, and I cant figure out why this has happened. When I reviewed my report, as I do regularly, I was shocked to notice discrepancies that seemed to appear out of nowhere. I even tried refreshing the browser to check if it was just a technical glitch, but unfortunately, the inaccuracies persisted. I am urging a thorough investigation of the documents Ive submitted so that this problem can be fully resolved and never happen again.
Product: Vehicle loan or lease

On XX/XX/2022 I called the company to inquire about the status of my complain sent via online portal; was not addressed. I was then told that my car was out for repossession. I explained why and how my payments have gotten behind. I did request as for the same with every conversation that I need to be able to make smaller payments or refinance the loan. I did also request a coupon book be sent 3 weeks prior to repossession and it was not honored. I implied that I would like to make a payment via 1099A process and they refused to accept it. I have acquired a lawyer because of the breach of peace when the vehicle was repossessed. There is also another account that I have paid off and has not been removed from credit report and is still reporting with no balance owed. I was advised to contact the dealership to speak with them about payments and how can i rescind my signature to void out the contract. I was advised that they did not have any information and would not help me with this. now my last major concern is that I was informed 3-4 hours prior that i can pay 1 monthly payment and it will remove the repossession. By the time they came to pick up the vehicle the amount to pay is no {$1500.00} ; which is double the payment plus interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed medical debt on my credit report due to California SB 1061 that makes reporting medical debt no longer allowed. I submitted this dispute to experian and also the debt holder Credit Control , LLC. I have also mailed a dispute letter to the debt holder also. Nothing was done to remove the account from my credit report. My request was ignored.
Product: Mortgage

Company name : JFQ Lending Dates : XX/XX/2021 and several more before this Amount : {$2200.00} of " Available Funds '' History : We've recently purchased a home with mortgage loan from another company. Never have we contacted " JFQ Lending '' before. 

XX/XX/2021 : called company to stop sending false statement in order to refinance with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I demand the following accounts that can not be verified to be removed immediately I have all the copy 's of all 3 letters sent to them also have USPS tracking showing that there revived all 3 letter,
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX BANK XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for my mother for a car with Ford Motor Credit Company. My Mother stopped paying the car and Ford took it and sold it without asking me if I wanted to take over the payments. I wrote many letters to Ford Motor Credit Company about this, I asked them to send me proof of the letter they allegedly send me to take over the payments. They never send me a copy of the letter because they dont have it, instead they send me goodwill emails that I allegedly send them apologizing, why would I apologize? I did nothing wrong, I never had the opportunity to take over the payments. The goodwill emails that I allegedly send to them are false, they were not signed by me. Im very tired of this situation, I hope once and for all you guys send me a copy of the letter that you guys allegedly send me to take over the payments before the car was repossessed or remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting or other personal consumer reports

i informed XXXX XXXX XXXX that they are not licenced or bonded to collect a debt in ny state in which XXXX XXXX XXXX  reponded " XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. The consumer is mistaken and NY state does not require a license. They do require a XXXX XXXX XXXX. Our XXXX XXXX XXXX XXXX since XX/XX/year>. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. ". 

UPON MY RESEARCH I FOUND OUT THAT XXXX XXXX IS REQUIRED TO HAVE A LICENSE to collect a debt ffrom a consumer that resides in NEW YORK STATE According to the New York State Department of State 's Division of Licensing Services, a debt collector from North Carolina ( or any other state ) must obtain a Certificate of Authority from New York State before attempting to collect a debt from a consumer who resides in New York State.

New York State General Business Law Section 601 requires that all debt collectors, including out-of-state collectors, register with the state and obtain a Certificate of Authority before engaging in debt collection activities with New York consumers.

If a debt collector from North Carolina tries to collect a debt from a New York State resident without obtaining the required Certificate of Authority, they may be in violation of New York State law. This could result in penalties, fines, and legal action.

The New York State General Business Law Section 601, Prohibited Practices, is located in Article 29-H, Debt Collection Procedures, of the New York General Business Law . It outlines the prohibited practices for debt collectors in New York, including simulating a law enforcement officer, attempting to collect unauthorized fees, disclosing false credit information, and harassingdebtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for mac and may to help devaluate the dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene he Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFCB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts and information that I've marked inaccurate : XXXX XXXX {$1700.00} XXXX  XXXX XXXX {$320.00} Personal Information XXXX XXXX XXXX XXXX Addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I Am writing to delete the following information from my credit report. Pursuant to 18 USC 8, I owe no debt. The companies listed below are violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. There are also inquiries that were not authorized by me. With that being said, that also makes me avictim of identity theft. I demand that the inquiries and items listed are to be deleted to correct my credit report.Please delete the items as soon as possible.this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. **Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. **You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. **Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **. 2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **. 3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to purchase a wig from a user on XXXX. The user asked me to send money through PayPal as a " friends and family '' payment. The payment was {$100.00}. We exchanged briefly through the XXXX XXXX app. I asked that the user send me shipping information once payment was received and the wig was shipped. I recently checked back on the conversation to see where the shipping information was. I am no longer able to interact with the person. I also noted that the name I sent the payment to was different than that which I was messaging with. I am just hoping that I can get my money back. 
I attempted to report the person on PayPal, but since it is a " Friends and family '' payment it is not covered by purchase protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
Product: Debt collection

I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

In XXXX I financed a car for about XXXX with Credit Acceptance Corp. In XXXX of XXXX the car was repossessed about a month later I received a letter stating that the car was sold and I owe them {$8500.00} for the balance left of my car. I checked my credit reports recently and that account is showing that I owe {$24000.00} on all three credit bureaus. I want them to update it with the correct balance
Product: Credit card

For your reference, here are the relevant details : Invoice Number : XXXX Transaction Date and Time : XX/XX/year> XXXX Amount Charged : {$78.00} Actions taken : I visited Alibi ( XXXX XXXX XXXX, XXXX, MA XXXX ) on XX/XX/year>. During my visit, I noticed that the bartender had added a 100 % tip to my bill without my authorization. When I questioned him about it, he claimed it was an error and assured me that it would not be reflected on the final bill. 

Unfortunately, upon reviewing my statement, I saw that the unauthorized charge was indeed processed. This was not an accident ; the bartender intentionally added the tip without my consent. Ive already tried to dispute this charge with the credit card company, but I was informed that my dispute wasnt accepted because the original bill wasnt voided by the merchant. Ive made several attempts to contact the bars management by phone and email, but I havent been able to reach anyone to resolve this. XXXX very concerned because I believe this charge is unauthorized, and Ive done everything on my end to try to resolve it with the merchant and the credit card company. 

I would appreciate it if you could investigate this incident promptly. Please let me know if you require any additional information from my end.