23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are two issues. 
XXXX ) Experian included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, Experian began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. Experian decreased my credit score 43 points due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
XXXX ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by Experian, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where Experian outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

Experian informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, Experian has substantially impacted my credit score. Experian takes swift action to penalize you credit score, as mentioned above by decreasing 43 points, but the increase takes months to get back to the original score.

The IVR system set up at Experian is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.
Product: Checking or savings account

frequent calls and text messages regarding well fargo financial account and a share holders meeting/vote. 

My number is on the do not call list. 

I have answered and asked them to remove me from their call list several times. 

The continue to harrass me. I get between 2-3 calls a day from the same number. Frequently the same woman, as I recognize her voice. 

Even when I begin telling them to remove me or not interested, they continue hounding me for my contact name and info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Date opened : XX/XX/XXXX Balance : {$66.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$190.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$5700.00} XXXX XXXX XXXX XXXXXXXX {$2100.00}
Product: Credit reporting

I received a letter saying that at that " As you requested we successfully placed an initial fraud alert on your Equifax credit file. '' I DID NOT request this. Also, " To eliminate the need for you to also contact XXXX and XXXX, we will forward your fraud alert request to them on your behalf. '' There was no fraud alert request and why are the forwarding a something that does not exist? 
This is a gross misuse and abuse of their power. They are doing whatever they want to do irregardless of how it will effect other. To include placing inaccurate data on peoples credit reports. They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters to Experian asking them to verify 4 derogatory accounts on my credit report. The first letter was sent in XXXX and the second letter was sent in XXXX. Experian failed to respond to both letters. I attached the signature receipt from Experian for the last letter that I sent, which was XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts ( XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX.Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting or other personal consumer reports

This will be my third time writing to Transunion XXXX XXXX to investigate and provide proof that the bankruptcy listed on my credit report came directly from the United States Court House and not a third party. I received a response that the bankruptcy was verified with the United States Bankruptcy Court. However, Transunion or XXXX did not provide me with proof. I reached out to the courthouse to confirm their information release policy. The court advised me of the following The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Per the Fair Credit Reporting Act 15 U.S.C 1681, it is a violation of the FCRA to report inaccurate or unverifiable information on a credit report. XXXX took the liberty to properly investigate and delete these Bankruptcies from my credit report due to inaccuracy, however, it is evidence that Transunion XXXX XXXX did not and lied about investigating this bankruptcy with the courthouse. I demand the following Bankruptcies be immediately deleted from my credit report : *Chapter XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX Please reply to me in writing or via email ( XXXX ) once this has been deleted. Also, it is to my understanding that I am entitled to a free credit report once any information is investigated and deleted. Please send an updated report to the mailing address listed above. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Carvant on numerous occasions over the last two years to have Carvant listed on my credit report as included in bankruptcy. I have sent the paperwork to XXXX as well as Carvant and it is still listed on my credit report incorrectly. This is hurting my credit and I need this corrected quickly.
Product: Checking or savings account

Wells Fargo case number : XXXX Account number ending in : XXXX I opened the account with the code from the email that promised a {$520.00} bonus XX/XX/XXXX. I deposited the required amount on the same day. I was informed that the bonus would show up in my account within 5-6 days of opening. I was also told that the branch offered a special interest rate bonus ( around 4 or 5 % APY ) that would be applied at the opening and reflected in my account within XXXX weeks. I opened the account on XX/XX/XXXX, but neither bonus appeared in my account. I could not get an explanation by calling the 1800 number or the branch in XXXX. 

It is XX/XX/XXXX today, no bones nor special interest rate applied to my account, no one can tell me if there the bonus code was applied to my account or if that is a complete scam. I have email conversion I can forward over.
Product: Checking or savings account

XXXX Direct deposit failed in the amount of {$720.00}. No answers from Cash App. XX/XX/, double charge for a purchase of {$33.00}. no action or answer from Cash AppXXXX, was told I had insufficient funds and got declined. Money in the amount of {$24.00} was still taken out of my account. No response and no explanation given. No refund of any kind. These are just a few of the problems I have had with this institution. I am hoping that this will help someone so that they do not loose money with this institution. They are constantly withholding money and never giving any answers.
Product: Credit reporting or other personal consumer reports

This is my 13th XXXX 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 XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX  or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. XXXX and TransUnion are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax many times about this issue. They have either no information or incorrect information about me with them. They say the ONLY way to fix it is to fax the information or send it through the mail. I have confirmed both the mailing address and the fax number twice. Also, twice on the phone agents have confirmed their fax is not working. The mail has either been lost or they are being negligent with the acquisition of my social, full name, address and date of birth. There MUST be more available lines of communicating my information to them so that they actually get it, instead of the mail and a fax number that does not work. I can not continue to mail my personal information and pray that they finally receive it without trying another avenue of contact that actually works.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date Of Birth : XXXX Last XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX I am not liable for this debt with XXXX, I do not have a contract with Jefferson Capital System, They did not provide me with the original contract as I requested. Jefferson Capital System called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract that my signature on the original contract that I signed but until Jefferson Capital System proved me with the original contract they have to remove asap from my credit reports. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous fico score ( averaged ) XXXX  My mortgage was refinanced ( XXXX XXXX ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On Transunion a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on XXXX. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, transunion 116 and XXXX 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I spoke with an XXXX XXXX on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that XXXX remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The XXXX agent refused my request after I informed him he was violating my rights. XXXX is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. ALLY FINANCIAL INC. and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$730.00} past due as of XX/XX/XXXX. 

PORTFOLIO RECOV ASSOC XXXX Date opened XX/XX/XXXX Account type Debt Buyer These XXXX accounts were opened with XXXX XXXXXXXX in XXXX, its well over the 7 years that it can stay on my report by law, yet this company has bought the debt and is continuing to report it as a collection. 

Please remove this from my credit report. It is continuing to hurt my credit. The 7 years has not passed. Please remove this from report immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violatr the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters To Equifax, XXXX and XXXX on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.