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

Hello, I have submitted disputes to the consumer reporting agencies and I haven't received any updated information pertaining to my investigation on the consumer reporting agency 's side of things I have given them the proper amount of time-based on law which is 30 days and I have also given them extra time to correspond back to me on the results and I haven't received anything back from them in the mail as of today XX/XX/2022. I first made contact with them on XX/XX/2022 and nothing has transpired since then. The company was Experian. The total process now has been 34 days and counting and I haven't received anything from the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax Security Breach. I filed my claim on XX/XX/2019. I have also contacted the administrator of the settlement as instructed with no response as to where my settlement is.
Product: Debt collection

This complaint is regarding an item placed on my XXXX credit file XX/XX/2022 by a collection agency calling themselves, Aldous. According to my XXXX credit report, collection attempt is in the amount of {$300.00}. During my initial correspondence with this agency, I asked for validation of debt. After that. some suspicious documents were mailed to my place of residence. I then stated in my second correspondence, that I needed to see copy of the identification card/driver 's license used to obtain this alleged debt, The agency then mailed me a threatening letter, stating that they will not be mailing me the requested item, and they were proceeding with the placement of this negative item on my credit report. A willful violation of federal law. 
Regardless of the lack of proof of this debt, XXXX did not hesitate to place this item on my credit file. If the proper vetting was done by this credit reporting agency, I would not have to be writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with Equifax, XXXX and XXXX. I also contacted XXXX regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wakefield and Associates debt collection agency out of Colorado has sent me written communication about a medical debt that is apart of an on going lawsuit. After receiving this letter I contacted the agency by email ( which was an option provided ) to advise them I am represented by an attorney and any futher communication should be through my attorney. Since then I've received another letter and more than at least 5 phone calls. Once I received the second letter I again sent another email. I also work for a debt collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is in clear violation of federal law. i have no obligation to pay a debt collector and amount that is alleged until proven otherwise. but they have committed identity theft because i never gave them authorization to give away any of my information. This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! XXXX XXXX KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! XXXX XXXX HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! XXXX XXXX TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! XXXX XXXX IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS XXXX  YEAR STATUE ALONG WITH INACCURACIES!!
Product: Mortgage

in XX/XX/XXXX I co-signed a loan for my step-daughter to buy a double wide modular home, she paid her mortgage for XXXX years until her husband did not pay their school taxes for a few years, the county of XXXX pa., sold the home for {$1500.00} for the taxes. no one notified me of any of this until much later. greentree finance was notified even befor the house was sold yet did not let me know. since the taxes were in XXXX name and not mine I do not feel I should be responsible for the loan especially since greentree finance demands that I pay for insurance on the house yet tells me forget the house I still have to pay for the loan. the building is worth more than the loan and I told greentree that I would gladly sign the title over to them since they should have a lien to be able to collect from the new owner. XXXX in a XXXX in XX/XX/XXXX. greentree has a collection notice on my credit report showing XXXX dollars do but still calls me to pay
Product: Credit reporting or other personal consumer reports

XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATION/XXXX and sent a letter on XX/XX/XXXX to XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, EqualFax and XXXX of the violation of the Family educational and privacy rights requesting removal
Product: Credit reporting

Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately. 
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

I received a civil complaint from XXXX XXXX XXXX of XXXX XXXX XXXX seeking money from an account I have no knowledge of. I do not have an account they are speaking of
Product: Checking or savings account

TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.
Product: Credit reporting or other personal consumer reports

Harley Davidson of XXXX on XXXX XXXX, had simply forgot to take off my maintenance package for my bike, which was not able to be fixed, because the insurance company refused to pay for the estimate Harley made on a dented motor. 
Harley was charging XXXX, and when XXXX claimed the bike totaled, I was left making payments on a maintenance package for over 6 months. The maintenance package contract was supposed to be labeled as breached, and subsequently terminated, due to the fact that I couldnt get a service for a bike that was no longer in my possession. 
The Harley Davidson company has apologized, and has claimed to strike the maintenance package payments off the record, but I do not see that in my credit report. 

My credit report says that I owe them XXXX dollars, plus interest every month. It also stated that I have been late on my bike payments. These claims are destroying my credibility. 
I can not get a financed a car or a bike, due to their false claims.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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
Product: Credit reporting or other personal consumer reports

I have never lived at the XXXX in XXXX XXXX Maryland. This account is the result of fraud
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged on to my sons Bank of America account to pay is credit card bill. I am an authorized user on his checking and savings account. I noticed the amount due was larger than the month before. I went to check the credit card statement. I noticed there had been fraudulent activity on this account. There were charges beginning XX/XX/XXXX that were not his. He was the only authorized user on this credit card and he had been XXXX since XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America to report the fraud. The gentleman I spoke with said since I was not an authorized user on the account all he could do was place a hold on the account. I explained that my son was XXXX and could not call about the fraud until he was released XX/XX/XXXX. The hold they placed on the account turned out to be only temporary. The charges went from being about {$200.00} to {$1900.00}. On XX/XX/XXXX, when my son was released from XXXX   he called Bank of America to report the fraudulent charges. He was transferred 5 times and eventually he gave me permission to speak with them. On XX/XX/XXXX, he received a letter from Bank of America stating they were investigating the fraud and temporarily removed the charges. He filled out the required paperwork and returned it immediately. On XX/XX/XXXX, he received a letter stating there was no fraud and they returned the charges of {$1900.00} back on his credit card. I again called to find out why they decided there was no fraud. The answer I received was that I paid on the account therefore there was no fraud. I explained I paid because the charges before XX/XX/XXXX were his and wanted to keep the account in good standings. I told them I could fax them proof he was in XXXX from XXXX. They then reopened the case again. After I faxed the proof I called Bank of America on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make sure they received the fax. Bank of America said they could not tell me if they had the fax only that the are investigating the claim of fraud. On XXXX XXXX, He received a letter stating again that there was no fraud and to contact the credit reporting agencies saying he was disputing the charges. I called Bank of America to ask what was the reason they found for there to be no fraud, they stated he did not report it in time. I again explained he was in XXXX  and unable to call. Bank of America now opened the fraud claim for the third time. Most of the charges were for XXXX and XXXX eats. He has no XXXX account and I was unable to contact anyone at XXXX. Bank of America said they were also unable to contact XXXX. Bank of America refuses to help and wants my son to pay for charges he could never have made.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to CFPB complain # XXXX and XXXX EXPERIAN consumer reporting agency is still causing me direct harm as a consumer under FDCPA. EXPERIAN is still reporting inaccurate information on my consumer reports that have now caused me extreme financial harm. On XXXX XXXX, XXXX  Experian furnished experience information to XXXX XXXX  which were derogatory and false and caused me to be denied my own credit. The exact same innacurate information that is currently being disputed and EXPERIAN keeps reporting the information as " updated and Verified '' but refuses to provide the requested information as to who verified the information, what they verified and how they verified it. This third party experience collector has now caused me financial harm due to inaccurate information that they had to actually delete after not being able to verify false info through other third parties like PACER, SAGESTREAM, ect. and not disclosing that these are their exclusive verification sources.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.
Product: Credit reporting or other personal consumer reports

It seems my credit file has been compromised once again. Upon reviewing my records, I noticed several items that do not belong to me. Through diligent research, I found that under Section 605B of the FCRA, you are legally required to remove any items identified as fraudulent due to identity theft. The disputed items are not mine, and I request their immediate removal. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Elevate recoveries is reporting a collection account on my profile that I am not familiar with. 

I am asking that this company ceases to report such derogatory account on my credit profile as it is causing me anguish. 

A cease & desist notice has been attached.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting or other personal consumer reports

My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the Experian credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX {$5300.00} XXXX XXXX
Product: Student loan

The customer service department can not give me a reason my balance is not updating and lie to get you off the phone. I showed a payment due not until XX/XX/XXXX of XXXX but I went ahead and made a payment of XXXX on XX/XX/XXXX. On XX/XX/XXXX I saw a payment due of XXXX on XX/XX/XXXX so I made a payment of XXXX. Then I went on the website 2 days later and it said I now owe a payment of XXXX due on XX/XX/XXXX. I called customer service after waiting almost 2 hours on hold and they had no explanation but I said so if I make a payment of XXXX will I not owe until XX/XX/XXXX the rep said yes I believe just to get me off the phone so I made another payment of XXXX of XX/XX/XXXX. I am now checking the website and it still says I owe XXXX on XX/XX/XXXX. The balance is going up. I have made 3 payment totalling XXXX and something is very wrong with this and it needs to be fixed. You cant talk to the chat because it is AI and gives XXXX answers. I feel like NELNET is a hot mess and not applying or calculating payments correctly. When you call their number all it talks about is how to pay them but not wanting to give you correct information all they want is money no matter if its screwing the customer.
Product: Credit reporting or other personal consumer reports

I was incarcerated in California XXXX XXXX ( XXXX ) at the time the student loan was issued. I did not give my consent nor had knowledge of loan.