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

This is another attempt to notify the Credit Bureaus regarding the fraudulent activities I have noticed on my Credit File. I dispute certain accounts in my file that are a result of this crime. My personal information was exposed in the XXXX data breach. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud. These accounts are unknown to me. Also, the information that some other Credit Bureaus provided on some accounts is DELETED compared to others and I have doubts about the accuracy and the reported payment history on some accounts is a mystery to me. I need the following accounts removed from my Credit File that were opened due to fraud : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. As much as I greatly appreciate the removal of some of the previously disputed fraudulent accounts, I am going to ask once more to remove the remaining accounts that were left for they too were results of the fraudulent activities. If the Credit Bureaus can prove that the disputed items belong to me by providing any legal documents bearing my signature. If the Credit Bureaus are unable to do so, I expect nothing but the deletion of the disputed items.
Product: Credit card or prepaid card

I paid XXXX XXXX XXXX {$1700.00} in XX/XX/2021 to install chain link fence around my back yard. About 2 weeks later at XXXX two men arrive at my house saying they are here to install my fence. I told them I hired XXXX with XXXX XXXX XXXX. They told me XXXX told them to do the job. They were at my home for 20 minutes, they installed 3 posts and 12 ft of fence, 190 ft of fence & posts, & 3 gates were supposed to be installed. My TV went out, they had dug and cut my XXXX cable wire. They said they would be back, they left and never returned. XXXX from XXXX XXXX also did not come to my house. My calls to him were answered with excuses then I would leave a message and no call back. I hired another fence co. XXXX XXXX XXXX XXXX to do the job. They did a wonderful job and they were paid in full, see attached paid receipt. Numerous letters back and forth between me & and Capital One and I am still being billed {$1700.00} for services never received, see attached letters. XXXX XXXX stole my {$1700.00} and I am due a full refund back to my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Experian did not read complaint XXXX, XXXX and XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but Experian is instead giving me a hard time to give me my credit file I even gave a state issued identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior. These replies are starting to show that this company may have some time of artificial intelligence responding to these complaints. I demand a full investigation into this. In complaint XXXX the company flat out lied about sending the credit file. This is just unacceptable.
Product: Credit reporting or other personal consumer reports

I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each Experian, XXXX, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.
Product: Debt collection

Apex resolutions out of XXXX NY, called me for the first time on a rotor dial call, said they were seeking out employment verification and would pursue collections on my bank accounts. Have it all recorded.No fdcpa required announcement of a debt collector or identification of the company calling. Just threats on the very first call
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate accounts and information on my consumer report in which I request them to investigate these accounts. I reached out to the creditors and asked them to verify anything that theyre reporting on my credit report. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt so how does this debt belong to me? How can I owe them a debt if there was a mutual agreement set in place? What documents does Experian have that " verify ' this debt belong to me? I understand that it is XXXX duty to do whats fair and equitable for the consumer and I am asking them to thoroughly investigate these and remove anything thats unverifiable, inaccurate or under violation. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter with the inaccurate accounts and information listed. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Student loan

I have called navient the past 7 months because they told me that they ca n't or did n't process my payment because they were n't able to find my bank account. Now XXXX XXXX 2017 and navient told me that I am currently {$1200.00} past due. When I have the statement from XX/XX/XXXX and XX/XX/XXXX stating I am {$0.00} past due. Every other loan is on autopay. They have n't been taking any finances out on one loan. This loan id has been giving me problems for 2 years. Now this has been ruining my credit because navient says I have paid the loan for 1 month and the next they say I have not.
Product: Mortgage

Today is XX/XX/2023 On the Experian credit report it states I'm 30 days late! 
My grace period is the XXXX of every month, I have until the XXXX of every month to not be 30 days late! 
XXXX XXXXXXXX XXXX XXXX XXXX has already charged me 30 days late today!!!!
Product: Credit card or prepaid card

I paid the total amount owed on my American express credit card. I paid the XXXX $ off completely. My balance was XXXX after my payment. I have the receipt from my bank. I used a cashiers check from my bank XXXX XXXX XXXX XXXX. After a few weeks i get a bill from American express saying I own XXXX $ on a XXXX balance. I contacted them and said I do not own anything. I paid the balance off in full. I received a letter from American express saying they cleared the fees and that I do not own the XXXX XXXX I immediately called American express and asked them what the balances was and was told XXXX dollars balance. I told American express to close my account, I no longer wanted anything to do with them. My account was closed in XX/XX/2022 with a XXXX balance and nothing owed to them. for the last few weeks American express keeps sending me bills saying I owe them {$40.00} dollars, I have even send them there own letter sating that I do not owe them anything. They are hurting my credit report and I would liked them fined XXXX dollars and would like to be paid XXXX dollars for the emotional stress and damages to me and my credit. I had to close my credit card because of them and there wire fraud scam and that hurt my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing derogatory information that Experian is reporting for an account on my credit report. The account is with XXXX XXXX XXXX XXXX which they are reporting 120 days late. I was never late 120 days. In XXXX, my payments were deferred due to covid. There should be no late payments reporting due to the CARES ACT. Also, how is that XXXX isn't reporting the supposed late payments? All data furnished should be accurate and cohesive so there should be no inconsistencies between the bureaus unless there is inaccurate reporting. Also, how are you reporting that I am 120 days late, when there is only 1 late payment reporting? I am demanding that the late payment for XX/XX/2020 is removed from my credit profile immediately. There was never an investigation done because my account was never updated stating that it was in dispute, and if an investigation was done, they would have realized that the payments were deferred hence why XXXX is not reporting lates.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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

Experian is listing 4 hard inquiries on my report when it should be 2. According to their own policy ( see attached ) multiple hard inquiries that are made within 2 weeks for installment loans such mortgages or auto loans are treated as " singular events ''. I have 2 occurrences over the last 2 years where I visited a car dealership to purchase a car and multiple hard inquiries were posted to my credit report each time even though they were on the same day with the same location identification number. Over the phone, Experian offered no resolution besides suggesting calling the vendor which was unsuccessful. I filed a complaint on Experian 's website and even sent them a copy of their own policy which supports my complaint. 

Occurrence XXXX XXXX Address identification XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Occurrence XXXX XXXX Address identification number XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX identification number XXXX
Product: Student loan

XXXX XXXX XXXX has told me that they are waiting on you to process my discharge under the Sweet v. Cardona lawsuit settlement. I am in the automatic discharge group class with a schedule c school. It should have been completed by XX/XX/year>, but my loans have been getting shuffled around lately. Can you please find out the status of this discharge. There is another lawsuit hearing XX/XX/XXXX & I will be in attendance. I hope to have good news to report to the judge in the hearing.
Product: Credit reporting or other personal consumer reports

These two accounts are not my account. My rights are being violated. The address associated with this account is already proven to be fraudulent. Experian still verified the account as mine even though the address is pruning not to be my address. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX 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 : States a consumer reporting agency can not furnish a account without my 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 crime 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 responsible costs to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a {$1000.00} charge-off reported on my credit report by XXXX XXXX XXXX The charge-off is listed under account number XXXX and appears on my credit report with Experian, referenced by dispute number XXXX. 

What happened : XXXX XXXX has reported a charge-off on my credit report, but I have not received any documentation verifying that I opened the account or that the debt is valid. Despite my efforts, XXXX XXXX has not provided proof of the account 's validity or any supporting documentation, such as signed contracts or billing statements. 

Actions Ive taken : On XX/XX/2024, I contacted XXXX XXXX directly to request verification of the debt and supporting documentation. To date, they have not provided any response or documentation to substantiate the charge-off. 

On XX/XX/2024, I disputed the charge-off with Experian, requesting that they investigate the matter and obtain verification from XXXX XXXX XXXX Experian responded by stating that XXXX XXXX had verified the account but provided no documentation to substantiate this claim. 

On XX/XX/2024, I followed up with Experian regarding this dispute, but no further action was taken. XXXX XXXX has still not provided any verifiable documentation to validate the charge-off. 

How this affects me : The continued presence of this charge-off on my credit report is causing significant harm to my credit profile and financial well-being. This negatively impacts my ability to access credit and damages my credibility with lenders. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires that credit information be accurate and verifiable. Experian and XXXX XXXX have failed to comply with their obligations under the FCRA by not conducting a reasonable investigation or providing verifiable proof of this debt.
Product: Debt collection

XXXX XXXX has a bill for {$400.00} that is not for me and is in Amsher Collections. Since this bill is now in collections, it was showing on my credit report throughout each bureau. When calling both Amsher Collections and XXXX XXXX, they confirmed that the DOB on file is my fathers but has my SSN attached. My father for a fact does NOT know my SSN and this account should not have been activated if they properly did a credit check on my father. In order to get this disputed, XXXX  protocol required to submit a request for an identity fraud claim on their site. Afterwards, I will be contacted by an investigator within 30 days. It is almost 30 days and when checking on the status of my report, no one was able to provide me with an update. Furthermore, no one provided me with a number that I can call to check in with the investigation department. Keep in mind, I filed the report on THEIR website. Till this day, I have yet to be contacted by an investigator that can help in this situation. During each phone call I had with XXXX prior to filing, I made it clear that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit. I provided necessary documentation to XXXX XXXX when filing my complaint. 
Additionally, XXXX the Credit Bureau out of all other Bureaus is refusing to help in this situation too. So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the 2nd or 3rd week from filing. Even after providing documentation, XXXX was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and investigating the situation. When asking about my IDs, they stated that one was legible and the other hard to read. However, both IDs images were sharp but XXXX was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by XXXX XXXX  Amsher Collection Services, and XXXX Credit Bureau! I can provide as much information as possible if needed, thank you!
Product: Credit reporting or other personal consumer reports

I have an account through XXXX XXXX, Acct # XXXX, as reported on XXXX. Please begin to report and add this credit card to my XXXX and XXXX accounts as well. I have called several times to have this account ADDED to my credit report, with no success. 

Please update ad ADD THIS ACCOUNT TO MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, XXXX, or Transunion. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. XXXX XXXX, and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have contacted XXXX and Equifax to disputed the inquires, from fraud. Equifax concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. XXXX I have no luck with either. I reported this when I discovered the fraudulent inquires.