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

I have disputed the error that bills from a XXXX XXXX XXXX XXXX XXXX have appeared on my report several times, it's been removed from XXXX and XXXX XXXX, but Experian refused to remove it, citing that they have the correct information and that the bill in fact belongs to me. I have no knowledge of these bills, I have never received any mailings from this company, and one of the bills is now duplicated and shows twice on my report yet Experian still has not removed them. I've submitted a complaint about the company to the XXXX which XXXX XXXX states they could not find a bill and they need an account number which I've never received nor has one ever been provided to me. I have insurance so any medical bills would have been covered. They are unable to provide me with the information to prove these bills belong to me. They claim they have tried to reach me by phone but I have no voice mail from them regarding this.
Product: Mortgage

We have our accounts with XXXX XXXX and use Bill pay through them. We had paid the first few payments and they got them to Regions Bank with no problem. About XX/XX/XXXX Regions bank contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted XXXX XXXX both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at Regions bank. 
I have spoken to both Regions and XXXX XXXX at least 15 times two times it was a conference call. XXXX XXXX has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to Regions for them to understand that this was not a check in the mail. It was send electronically from XXXX XXXX to Regions and has been accepted on their end and put somewhere. Two seperate times XXXX XXXX andI have sent proof of payment to Regions bank and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very ill and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.
Product: Credit reporting or other personal consumer reports

Filed several disputes with XXXX, TransUnion, and XXXX, in a span of 6 months only to be told the information is accurate and will remain on my credit report. I also asked for debt validation under 15 USC 1692G : - [ ] Full detail list of payments - [ ] Insurance claim filed - [ ] Original signature that I agreed to - [ ] Chain of title that you have to collect this debt
Product: Credit card or prepaid card

My mom is an authorized user on my Belk account. She paid {$250.00} on my card on XX/XX/XXXX and was given a receipt to verify the payment. Normally, when making a payment in the store, the payment is posted to the account immediately. However, the store was having a large sale ( Charity sale ), so the cashier told her it may take a few hours for the payment to post. It NEVER posted! I checked my account on-line XX/XX/XXXX and it STILL had not posted. However, the check cleared the bank on XX/XX/XXXX. I received an email on XX/XX/XXXX at XXXX XXXX, stating a payment to my account was posted. So again, I checked online, to view the available credit and payments on my account. It showed no minimum payment due and the " last payment of {$250.00} was paid on XX/XX/XXXX ''. However, the payment STILL was not applied to my account balance. I rechecked again today, thinking it may update within 24 hours ( which has never had to do ), but the payment STILL has not been credited to my account!! I have filed their forms to report a missing payment, but to date, I have not received a response.
Product: Vehicle loan or lease

I am writing to formally dispute a fraudulent hard inquiry on my credit report initiated by XXXX Nissan on XX/XX/year>. I did not authorize this inquiry or provide consent for XXXX Nissan to pull my credit. 

On the mentioned date, I visited XXXX Nissan to inquire about vehicle options, but I made it clear that I was not ready to proceed with financing or any transactions that required a credit check. Despite this, they performed a hard inquiry on my credit without my permission. This has negatively impacted my credit score and caused undue distress. 

I request the CFPB to investigate this matter and take appropriate action against XXXX Nissan for their unauthorized activity. Additionally, I ask for assistance in having this inquiry removed from my credit report. 

I have attached any relevant documentation, including my credit report showing the unauthorized inquiry. Please let me know if you need further information or evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;
Product: Checking or savings account

I made a deposit on XX/XX/XXXX, with a cashiers check that we paid extra for so that funds would be available. Was told at the bank the funds would be available, the next day XXXX XXXX received a message from the bank that the funds were being held until XX/XX/XXXX. Then they charged overdraft fees. All of this has placed a momentary hardship on our business. This is simply unfair.
Product: Checking or savings account

On XX/XX/24 at XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX ATM machine closed the door with my money and printed a receipt saying the deposit had an error and gave me an XXXX number to call. It did not put the funds in my account and I was told I had to wait 7-14 days.

This is absurd! The company that picks up the money obviously did not balance and has my money. Yet I have to wait as my account goes into negative balance and checks returned. Not to mention I have had to cancel appointments that I had due to not having.
Product: Credit reporting or other personal consumer reports

providing my personal information to third party agencies without my consent and permission in writing. 

I have not contract with them and do not owe the amounts stated. 

The 3 yr debt collection statute has passed in the state.

Willful negligence to continue sharing my personal private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX  XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, The following accounts are reporting fraudulently on my credit report. Account : XXXX XXXX  XXXX ; Account # : XXXX ; Account : XXXX XXXX I ; Account # : XXXX.
Product: Mortgage

In XX/XX/XXXX our HELOC that we have with Harris Bank matured/came due. I contacted Harris the prior summer to find out what my options were as I did not think I would be able to refinance. I explained that when the economy crashed, my husband was laid off from his job as a XXXX XXXX making $ XXXX. Since it took so long for the economy to recover, he had to make a career change and became a XXXX. He want from making $ XXXX to a first years XXXX  salary of $ XXXX. It took him 9 months to find a job. During the same time frame, I was in a horrible car accident and had a lot of medical bills as a result. 

We were referred to the Loss Mitigation Dept. at Harris and put in touch with XXXX XXXX XXXX. XXXX as so helpful, kind, and compassionate. We were offered a 6 month Stipulation plan and had to pay {$260.00} each month. We were told that if we make these payments on time that Harris would be able to help us work towards a permanent solution. As promised, XXXX contact us after we made 5 payments. I faxed her the paperwork she requested. A few days later XXXX contacted me apologizing stating that she could no longer assist us because our loan was now being handled in a different department and our HELOC was being charged off. When I inquired why this was happening, XXXX was not sure and confirmed that I had made all of our payments on time. 

That same day I contacted the department that was now handling my HELOC. They told me that my only option is to put this loan into a 5 year loan and make payments of {$1400.00} a month. I explained to her that I can not afford that high of a payment. She told me this was my only option. She told me I could make lower payments if I wanted but that would not guarantee that Harris would not pursue legal action/foreclosure on my house. 

I dont feel what happened here is ethical. We followed our end of the agreement on the good faith that Harris was working with us and that they would follow their end of the agreement. See below a copy of the email I received letting me know about the Stipulation Plan. 

Email from Harris regarding Stipulation plan. I copied it onto this document. I am happy to forward the original email. I do not have the contract/paperwork I signed on email, but Harris should have a copies of that paperwork. 

Email dated : XX/XX/XXXX : Hi-Management has approved you for a 6 month stipulation plan. 1st payment due on XX/XX/XXXX. Amount is {$260.00}. The 6 month plan is temporary to allow you time to improve your debt to income. Once you make your 5th payment, we will send you another package to get updated information in the hopes that things have improved so we can get you into a long term solution. Please call or email with questions/acceptance. If you accept, my closer will send you a letter with the payment due date and amount. Thanks. XXXX ( I included the copy of this email here because every time I tried to attach it below I lost everything I had typed. )
Product: Credit reporting or other personal consumer reports

Equifax, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXXXXXX XXXX  ), XXXXXXXX XXXX under the account number ( XXXX XXXX ), XXXXXXXX XXXX under the account number XXXX XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Product: Debt collection

I looked at my report on XX/XX/year> and noticed some things are not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates. EASTERN ACCOUNT SYSTEM is reporting on my credit to my XXXX  consumer report. This company is not licensed and bonded in my state of South Carolina to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX
Product: Debt collection

I received a notice in the mail about an alleged credit card from LVNV Funding LLC on XX/XX/XXXX. I immediately emailed them the same day and requested : their legally authority to collect an alleged debt without my knowledge or consent, the original contract between me and the original creditor showing where I agreed to the assignment of the debt, the original contract between me and LVNV Funding LLC with my wet signature, provide me with a verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service, Provide me with an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA, and the original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

They ignored these direct request several times. All they sent me was account statements from a credit card bill which isn't proof I owe a debt. I responded to them stating they didn't provide me with the requested documents and since they dont have them to cease and desist all collection activities. They ignored that request and has added this alleged debt to all 3 credit reports XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the deletion of any incorrect entries from my credit dossier. Could you verify the paperwork? Several listed accounts exhibit inaccuracies in reporting, including discrepancies in amounts and dates.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 

15 U.S.C 1681 section 602A. States I have the rights to privacy. 

15 U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681C. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes with 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.
Product: Credit reporting or other personal consumer reports

FAILURE TO INVESTICATE : XXXX Experian stated the bankrupcy would remian on my account not advising me where the source of information was provided from. The court DO NOT give this information to the credit bureau this is a violation of my FCRA RIGHTS- Bankrupcy is not a credit its a court account and courts do not verify or provide data to the credit bureaus. This is inaccurate information and a violation of my FCRA rights. Please remove this inaccuracy from my credit report or provide where this information was given from since the court do not provide the credit bureaus with this information.
Product: Credit reporting or other personal consumer reports

I applied for a credit card for CapitalOne XXXX. I was turned down for the following reasons given by XXXX : Time since most recent account opening is too short Length of time revolving accounts have been established Too few accounts currently paid as agreed Proportion of balances to credit limits on bank/ national revolving or other revolving accounts is too high Number of inquiries on credit report None of these apply to my account. I called CapitalOne. They said these reasons were based on the information XXXX gave to them and I should call XXXX. I called XXXX. They said it was based on the interpretation by CapitalOne. I have good credit!!! None of this makes sense, I don't know why I was turned down and I completely stuck in the middle with no one to help. 

I also intend to send this complaint to the senate " Consumer Protection, Product Safety and Data Security '' committee.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX XXXX for violating Section XXXX ( f ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits the sale or transfer of a debt that results from identity theft once the creditor or debt collector is notified of the fraud. 
On XX/XX/XXXX, I notified XXXX XXXX  and its servicer, XXXX XXXX XXXX, that the debt associated with Loan ID XXXX was fraudulent and the result of identity theft. I provided all required documentation, including [ state whether you sent a police report, FTC identity theft affidavit, or other supporting documents ]. Despite being informed, XXXX XXXX transferred and sold this debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$16000.00}. 
This sale directly violates Section XXXX ( f ) of the FCRA and has further impacted me by potentially damaging my credit report and subjecting me to harassment by XXXX XXXX XXXX XXXX for a debt I do not owe. 
Thank you for your attention to this matter. 
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

so I sent a dispute letter to Experian XXXX XXXX XXXX, XXXX, TX XXXXXXXX I have also attached the same letter so you the CFPB will have proof of the dispute letter I sent to Experian. I had sent it by Certified Mail. And on XX/XX/XXXX, XXXX at XXXXXXXX XXXX it was Delivered. i will Attach the proof of the Certified Mail receipt in the letter I had Attach my New York driver 's license a copy of my SSN CARD and a copy of a bank statement as proof of Address and Identity. yet on XX/XX/XXXX XXXX XXXX, I received an email from Experian asking for all the same identification I mentioned I will attach the email that was sent to me. At this point, I don't believe any human at Experian is actually looking at my dispute letters I believe it is all AI-automated. or this is the practice they use to make it hard for consumers to fix inaccurate credit reporting. I am very upset about the way Experian uses info to gain and make money off inaccurate credit debt. this hurts my life and my living. The last complaint XXXX has the latter I sent to Experian along with my ID my SSN Card and a Bank statement as proof and learned this because XXXX sent me a letter asking for this, so this is why I sent my ID my SSN CARD and bank statement to all 3 credit bureau and to see an Email from Experian after i already send everything they asking for is not a nice feeling can any one help please thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report and this is hurting my ability to get credit and is against the fair credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my credit card on a monthly basis. The balance is incorrect the last time they reported this card was X/2017 not for XX/XX/XXXX or XX/XX/XXXX.