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

I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite many numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX  Balance : {$280.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my complaint files with CFPB ( Complaint ID : XXXX ), Corelogic has provided insufficient and inaccurate information. 
In their response to my complaint, they concluded XX/XX/2020 was the last correspondence with me in this matter requesting my information which is incorrect. 
On XX/XX/2020 I also certified Mail then a request to provide details on their inquiry into my credit report which they have received on XXXX, 4 days prior to responding to CFPB. 
Corelogic is performing unauthorized inquiries into consumers ' credit reporting with XXXX and has failed to provide proof of authorization and stalling every effort to including failing complaints with CFPB.
Product: Credit reporting or other personal consumer reports

My information is being shared and Investigated without my permission and illegally. Through Experian, TransUnion, and Equifax Laws : 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased vehicle in XXXX of 2017 through XXXX XXXX XXXX. I changed insurance company XX/XX/2017.and at the end of XXXX I cancelled my old policy with XXXX and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. XXXX XXXX XXXX contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # : XXXX Was removed from XXXX from dispute with CFPB complaint but remains on other reports from Experian and XXXX. 

On record until date inaccurate, XXXX, Experian Experian has no payment data on record XXXX has incomplete payment history. 

Have disputed multiple times with all 3 credit bureaus and only was deleted from XXXX report. Experian and XXXX failed to properly investigate fictitiously stating information was verified without an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to CKS Financial. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Incorrect Reporting and Failure to Respond by Experian Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian, a consumer credit reporting agency, in relation to their failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX Specifically, Experian has engaged in the inaccurate reporting of information on my credit report, and despite multiple attempts to resolve the matter, they have failed to respond or provide a satisfactory solution. 

Nature of the Issue : Inaccurate Reporting Experian has inaccurately reported certain items on my credit report, including [ briefly describe the incorrect information ]. These inaccuracies are materially misleading and do not reflect the true nature of my financial history. I have made several attempts to notify Experian of these discrepancies and dispute the errors in accordance with the FCRA, but no corrective action has been taken. 

Failure to Investigate Discrepancies Under Section XXXX of the FCRA, I am entitled to a reasonable reinvestigation of disputed information on my credit report. However, despite submitting formal disputes and providing supporting documentation, Experian has failed to conduct a reasonable investigation or resolve the discrepancies within the statutory 30-day period. This failure to comply with the investigatory requirements of the FCRA constitutes a violation of my consumer rights. 

Failure to Provide Adequate Response Despite my repeated attempts to contact Experian, I have not received any meaningful or timely responses regarding the resolution of these issues. The lack of communication and failure to provide a substantive response violates the requirement for credit reporting agencies to provide prompt and adequate resolutions to consumer complaints. 

Impact : As a direct result of Experians failure to accurately report my credit information, I have suffered significant harm, including potential damage to my credit score and inability to secure credit on favorable terms. These inaccuracies and the lack of resolution have caused me emotional distress and financial inconvenience. 

Requested Relief : In accordance with the FCRA, I request that the Consumer Financial Protection Bureau investigate Experians failure to correct inaccurate reporting and their failure to provide a timely response to my disputes. I also request that appropriate corrective action be taken, including the immediate removal or correction of the inaccurate information and a full review of Experians compliance with the FCRA. 

I appreciate your assistance in this matter and respectfully request that you take prompt action to ensure that Experian complies with federal consumer protection laws and remedies the harm caused by their actions. 

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

XXXXXX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ) inquiry XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX ) inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a credit inquire showed up on Experian. The company that pulled the credit was US SM Bus Admin Oda ( US Small Business Administration ). I do not own a business, nor have I applied for a loan from this agency. I feel that some type of identity fraud may be happening and my credit score dropped due to the Hard inquire. I would like the inquire removed and my score fixed.
Product: Mortgage

My home loan servicer was recently transferred to Arvest Central Mortgage. In the past 25 years, I have had over 10 home loans across 7 properties, with even more servicers along the way, since it seems every other year the loan is being transferred. 

Arvest is the first servicer I have encountered that charges any fee ( in their case, it's {$5.00} ), to submit a payment online. I do not believe that incurring a {$5.00} charge to submit an online mortgage is acceptable industry practice. That is a barrier to making a payment, in which they assess steep late fees if not received. This is the year 2020 in which entire businesses are conducted online, so charging {$5.00} to submit a payment, as opposed to mailing a check where there is no fee, is archaic and a money-grab.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$3300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3RD ATTEMPT TO FIX THIS PROBLEM WITH THE CRDIT REPORTING AGENCY DISREGARDING MY DISPUTE WITH THIS FALSE COLLECTION THE 3 MAJOR BUREAUS HAS NOT FUFILL MY DEMANDS AND DELETED THIS NON VALIDATED COLLECTION ON MY REPORT THAT HAS BEEN MISPLACED, ,THAT HAS BEEN PLACED ON MY CONSUMER CREDIT REPORT, ON XXXX XXXX I SENT 4 CERTIFIED MAIL DOCUMENTED LETTERS TO THE 3 MAJOR BUREAUS AND WHICH THEY HAVE RECIEVED BUT STILL HAS REFUSED TO ADRRESED THE INAACURATE INFORMATION THEY ARE CONTINUING TO REPORT .THIS COLLECTION HAS BEEN REMOVED AND CLOSED BY ONE OF THE MAJOR BUREAUS ( XXXX ) AND XXXX AND EQUIFAX HAS STILL CONTINUE TO VIOLATE MY RIGHTS BY FURNISHING THIS ACOUNT THAT DOES NOT PERTAIN TO ME..I NEED YOU TO KNOW THAT YOU ARE IN VIOLATION AND CAN BE PENALIZED THIS ACCOUNT WAS CLOSED ON XXXX ..YOU ARE INVADING MY PRIVACY
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Payday loan, title loan, or personal loan

I called the company this morning to pay off my loan. They would not take a payment as my account is " under review '' ( as it has been for at least three weeks ) and I can not access the website due to this " under review '' status. However, while my account has been under review, they have continued to charge daily interest and take payments without issue every two weeks. When I asked if they could suspend interest charges until they allow me to pay off my account, I was told that I could request for them to refund all the accumulated interest once my account was no longer " under review, '' a status which has an indeterminate timeline. In the meantime, they will continue to collect payments every two weeks and keep my account " under review '' and continue to make money off a loan that I attempted to pay off.
Product: Debt collection

These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason, and will not help me with getting it back up and going. 

I am not sure if this is some mistake as I assume it has to be. 

I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I called chase and told them multiple times I cancelled automatic payments on XX/XX/2021 with the merchant XXXX. Since then I have received no correspondence. I realized Chase sent me a letter 4 days after it was due, however I gave chase the information they needed to assist with my dispute. They credited me for 1 transactions and in total have gone through, in addition to OD fees they have not addressed. 

I also had another claim involving being overcharged by food merchants and Chase temporarily credited my account and without warning or explanation reversed the {$15.00} and change they credited. No one has called to ask about the disputes or gain more information. 

They have continued to allow an XXXX  refreshment charge that was also cancelled for {$5.00}. 

Chase has the worst customer service. I feel like I can only come here now to get resolution on cases or issues I am having with them.
Product: Payday loan, title loan, or personal loan

Starting on Monday, XX/XX/XXXX until Today, I have called 8 times to their toll free number XXXX to get a payoff quote to pay the loan off. Each time I waited for 5 minutes on hold, then was told to leave a message and I would get a return call. Each time I left a message and my cell phone number. I finally got a call back late Tuesday XX/XX/XXXX and was provided a payoff for XX/XX/2018. They would not process a payoff sooner, charging me interest for 3 additional days. The interest rate on this loan is 149 %. Please note, although I provided my bank account information for a payoff on Friday, XX/XX/1018 I am NOT sure this will go thru. There was also an attempt and/or questions as to why I am paying off this loan early as they were trying to talk me out of it.
Product: Checking or savings account

My bill pay check was not dated until XX/XX/XXXX, but the funds were made unavailable by the bank. As soon as I find out, I called the bank at XXXX on X/XX/17. He placed me on a long hold, telling me that he would try to cancel the bill pay and make the funds available. After a few minutes, he said he or his manager would call back. I never heard back from anyone. I then called the bank at my lunch, and they informed me they would not make the funds available. They essentially told me they could do whatever they wanted and did n't have to respect my wishes to cancel the transaction I feel this is constitutes deceptive and unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
Product: Credit reporting or other personal consumer reports

I received an alert on XX/XX/year> that Bank of America did a " New Credit Inquiry '' on my credit report. I did not request this or permit it in any way. This is likely fraudulent activity either by Bank of America or someone else. Tried several times with no success to have Bank of America resolve this issue. Contacted all three credit bureaus immediately to report the fraud and to freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

BARCLAYS VIOLATION OF FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND OR FAIR DEBT COLLECTION PRACTICES SECTION 807 ( 8 ). On XX/XX/XXXX Barclays signed a " notice to dispute '' and on XX/XX/XXXX I pulled my credit report and they FAILED to mark my account " DISPUTED '' which is REQUIRED BY LAW.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 b clearly any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruction of the consumer. 

Without a written consent from the consumer. XXXX is using Aggravated Identity Theft 18 USC 1028A because they have possession of my information, and they are using it without my written consent.
Product: Student loan

My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .