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

I contacted Experian on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, after logging into the Experian website, I noticed that Experian had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report. I tried to contact the company about it, the fraud department lady on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. I also went to the Experian website and saw the items were removed from my report XX/XX/2022 but were reinserted on XX/XX/2022 even though Experian never gave me written notice that the items were reinserted or why. I filed a separate complaint on XX/XX/2022 regarding unauthorized inquiries and Experian came back on XX/XX/XXXX stating they had verified all inquiries even though no proof of verification was provided to me. This is unacceptable. I have received no documentation from either Experian or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company Credit Acceptance ( CA ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( CA ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. CA did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now CA is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to CA to see if something could be worked out concerning this to help me improve my credit and CA refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the{$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.
Product: Student loan

I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shared a copy of my credit report with my authorization to XXXX XXXX  and other financial institutions without my knowledge or Consent. By doing so XXXX card decreased my credit limit by {$3300.00} to cause me a hard hit to my Finances and Fico score. I am in the process of trying to get a my first time home loan. XXXX XXXX XXXX XXXX XXXX  this was a surprise to me and EQUIFAX is the ONLY AGENCY that gives me the lowest score of the 3 Agencies from the time I became an adult! I am claiming Bias treatment against XXXX XXXX  and would like them investigated and would like my information withdrawn from their DATABASE! They have unethical business practices and I intend to go Public.
Product: Checking or savings account

Tried calling both wisely support. 

Wisely said no issue and I keep trying to get it escalated to manager as supervisors are not helpful and XXXX XXXX both connected to checking account ) XXXX has not contacted me back or responded about issue at all. 

Im now going to be homeless as a result of the ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( ( Original Creditor : ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On the seventh day of the month of XXXX in the year XXXX, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ) Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), on my consumer report from XXXX, Experian, and XXXX, the consumer reporting agencies. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX / XXXX XXXXXXXX XXXX a financial institution, account number XXXX. Specifically, XXXX, Experian, and XXXX are reporting inaccurate and inconsistent information regarding the Account Type Detail, No. of Months ( terms ), Payment Status, Last Reported, Date Last Active, Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX which violates section 602 subsection ( a ) and ( b ) of the FCRA These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, XXXX, Experian, and XXXX are nonaffiliated third parties to XXXX / XXXX XXXXXXXX XXXX  and pursuant to GLBA and Regulation P section 1016.7 ( a ), XXXX / XXXXXXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.
Product: Credit card or prepaid card

I applied for American Express Gold card on XX/XX/2023. I got a letter indicating that I have been deined due to XXXX XXXX with a XXXX party agency. I was declined due to a credit report from a 3rd party agency information. I have equal opportunity to all opportunities. On XX/XX/2023 XXXX advised that I sent letter to claim rights, title, interest, and equity that were owned to principle at the initial consumer credit transaction, operating under the truth and lender statute and demand to reverse this denial. It is damaging my livelihood. The deinal is a violation of 15 U.S. Code 1691 " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. ". They responded on XX/XX/2023 indicating that the denial stands. On XX/XX/XXXX I sent another letter with the same verbiage as first letter incidating that I can not be deined based upon a XXXX party. i called and advised to reverse the denial and they advised that I would need to have a better XXXX XXXX to get approved which is telling me that applicants with a better XXXX XXXX would be able to get approved which is discrimintion.The I received another letter indicating that there are many factors including information about personal resources and credit bureau information that made them deny me and that the decision is based in part or in whole on information in the credit bureau report. The are in violation of 15 U.S. Code 1691 due to me exercising my rights to credit they have deined me which is discrimination. It is my right to be extended credit per 15 USC 1691a ( d )
Product: Debt collection

Discover finance calls on my land line to my cell phone back and towards every day including Sunday from XXXXto XXXX every day at least 20_30 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently rehabbed my student loans, and AES PHEAA transferred and updated my accounts with the new servicers. They removed all but 2, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. XXXX XXXX # XXXX HAD LATE PAYMENTS XX/XX/year>, XX/XX/year>, XX/XX/year>. THE CONSUMER AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. I HAVE ATTACHED A COPY OF MY REPORT TO THIS COMPAINT ON THE FOLLOWING DATES. I AM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING TRHAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOU UNDERSTANDING AND PROMPT ACTION.
Product: Debt collection

Several years ago I received a notice from Fredrick Hanna and Associates saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then one came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia XX/XX/2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. XX/XX/2009 the attorneys of XXXX J. Hanna and Associates went to the XXXX County magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.
Product: Checking or savings account

This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX  XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. 

This mishandling has created a hardship for XXXX  XXXX  operation. 

I don't believe PNC was acting in good faith. 

Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. 

I do have specific dates and times that I can refer to regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, Ca XXXX ; XXXX XXXX XXXX XXXX XXXX, Ca XXXX ; XXXX XXXX XXXX : {$170.00} ; XXXX  XXXX XXXX : {$55.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$120.00} ; XXXX XXXX  XXXX Balance : {$120.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Messerli & Kramer bought debt that I had under my name for {$500.00} from XXXX. It had fees added for a total of {$770.00} in XXXX. 

Now, nearly XXXX years later, they are harassing me claiming that I now owe them $ XXXX and trying to illegally garnish my wages. I am exempt from wage garnishments and also was disgusted to see them sending me notice today that they have turned a small, XXXX year old credit card debt into such a huge sum out of sheer greed. 

The company harasses XXXX  mothers like myself who are working hard to provide for their children and the last thing we need is constant abuse from these predators. Thank you for looking into this matter.
Product: Checking or savings account

I recently reviewed my ChexSystems consumer report and identified XXXX  account that was opened fraudulently and do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you investigate these inaccuracies and remove them from my report. 

The fraudulent accounts are as follows : XXXX XXXX XXXX Account XXXX : XXXX Please remove the following fraudulent inquiries : 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 Now XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Please Remove Undeliverable Addresses on File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These account was not opened by me, and I believe they are the result of identity theft or error. I have attached copies of [ Identity theft affidavit, FTC Identity Theft Report, and proof of identity ] to substantiate my claim. 

Under the FCRA, you are required to conduct a reasonable investigation of my dispute within 30 days of receipt of this letter unless you deem it frivolous, which I trust will not apply given the evidence provided. If these accounts can not be verified as mine, they must be deleted from my report pursuant to Section 611 of the FCRA. Additionally, under Section 605B ( 15 U.S.C. 1681c-2 ), I request that you block this information if it is confirmed to stem from identity theft. 

Please provide me with an updated copy of my ChexSystems report once the investigation is complete, as well as written confirmation that these items have been removed. You may contact me at XXXX or XXXX if you need additional information to process this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

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

This is my 21th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

I have excellent credit I am a XXXX employee 32 years salary {$120000.00} Spouse {$45000.00} home value according to a Realtor 's CMA {$350000.00} requested Cash out refi {$140000.00} no other debts I am only asking for less than 50 % of the home 's value Provident Funding refused to accept a valid appraisal from XXXX ( appraisal co ) They are discriminating against me because it is a " rural '' market. The appraisal is valid! Provident is redlining me because I live in rural area ... .less than 1 mile from the city limits of XXXX XXXX Ky
Product: Debt collection

I have accounts on my credit that I know where not put on there by me. I asked to kindly remove. No action was taken on their part.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to Remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with WELLS FARGO I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO with no successful resolution. XXXX, XXXX, XXXX  only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.