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

Experience refuses and chooses to ignore multiple requests sent via certified mail to fix or remove inaccurate data in my credit report. The XXXX XXXX account XXXX has been disputed multiple times and documentation has been provided to support the dispute. They continue to list, inaccurate and incorrect information and reported it without doing a proper investigation as stated in the fair credit reporting act. This account has been paid in full and should be reported as such. It is ridiculous to report this account as being anything other than. This account is not charged off in the reported charge off balance is completely fictional in the status. It clearly shows that you were reporting this account charged off with some erroneous number written off. This is damaging and incorrect information that needs to be corrected or removed from my account immediately. On XX/XX/year>, a certified letter was sent to Experian XXXX XXXX ). It was received on XX/XX/XXXX of XXXX. As of now, there has been no open investigation, and it appears as if Experian is choosing to ignore this dispute despite documentation to XXXX, my dispute along with a copy of my drivers license and other forms of information. I need to advise you that this is my last attempt for your agency to correct or remove this item from my report. My next step will be to send a demand letter drafted by my attorney and move forward with his recommendations.
Product: Debt collection

TJC Mortgage keeps responding that I am making frivolous claims against them but fail to address my claims as I have outlined. Is the note being traded for profits? This is a yes or no statement not a drawn out explanation of why I keep filing complaints against them which I have every right until what I am stating is addressed. They will not address it because these are not allegations but true statements. The note is indeed being sold for profits because the note is the security that is why its sold. Its marked as a receivable from the customer and then deposited into the depository bank which then is protected by transferring to the trustee and indenture trustee who is responsible for payments to the shareholders. Now if anything I have stated is deemed to be incorrect I request your to prove it.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX acc # XXXX I do not have a contract with XXXX XXXX XXXX  I Was never provided with any contract this is a violation of the Fair Credit Reporting Act. 

I am not liable for this debt with XXXX XXXX XXXX acc # XXXX I do not have a contract with XXXX XXXX XXXX XXXX and was never provided with a Contract this is a violation of the Fair Credit Reporting Act. 


Ive attached supporting Screenshots highlighting the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been trying to resolve this issue with Equifax XXXX XXXX XXXX XXXX '' with no success. This issue is causing financial and emotional stress and needs to be corrected asap! Negligence of this final complaint will force me to pursue legal action as I have been trying to resolve this for almost half a year now. I came to a settle in full agreement with XXXX XXXX on XX/XX/2021. Attached is the settlement in full letter I got from XXXX. XXXX is still reporting a balance owed. Due to the clear and obvious error on XXXX XXXX end of not properly reporting a zero balance, the only way to make things right is by deleting this account entirely from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out to Experian to remove addresses that did not belong to me from my credit report. The information is still on my credit stated credit report and therefore represents my information inaccurately. 

Further stating that the post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. Reference XXXX XXXX The response to my concerns was that the information was removed but through further investigation of recent credit reports it appears that the addresses were not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for credit monitoring services with MyFico in XX/XX/2022. I noticed that XXXX and TransUnion were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed XXXX and TransUnion letters on XX/XX/2022 to ask them to correct the errors on my credit report. I did not receive a response back from either. On XX/XX/2022, I wrote a second letter to both XXXX and TransUnion requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XX/XX/2022 and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyFico and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureaus of America was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.
Product: Credit card

On XXXX/XXXX/15 I paid my Macy 's credit card in person - some cash plus a check for {$1000.00}. In the past they 've always handed back my endorsed check, because it is processed as an electronic payment. This time the clerk kept the check - and a few days later, when my debit card was denied for insufficient funds, I found out that my checking account had been charged twice, once electronically and once as a check. But only {$1000.00} had been posted to my Macy 's account. After several phone calls and faxes, Macy 's " resolved '' this by treating it as a refund of an excess payment - in other words, they put the {$1000.00} back into my checking account but charged it to my Macy 's card!!! More faxes and phone calls ... .. More runarounds. Except for a letter on XX/XX/XXXX that was posted on-line ( never mailed to me! ) telling me my dispute was being looked into, I have NEVER HEARD FROM MACY 'S. Not when I had first put in the dispute and did n't give them all the info they needed - nope, they just quietly closed the dispute without bothering to tell me - just ignored me. Not when I had been promised calls back by a supervisor - no call back. When I call Macy 's one can not speak to anyone who has my correspondence in front of them - only the " back office '' has the actual correspondence, and the people on the phone only have the ( half-baked ) notes from the back office, so there 's no way to " confront my accuser '' or at least force them to explain what it is they do n't understand. Sometimes I could n't tell if the person I was speaking to was stupid, or just assumed I was stupid ( sure, I stupidly, mistakenly thought my {$1000.00} was missing ) - or maybe that I was making the whole story up. Oh, and to top things off, the website has a feature allowing you to send a message - but the feature is broken - you ca n't send a message!! Even alphanumeric characters give back an error message about " special characters '' that are n't allowed!!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.
Product: Debt collection

As of XXXX, I called to close the account and inquire about the balance regarding a dispute with XXXX for XXXX. I gave information only to be disconnected on. 

I do not want to conitnue business with this account. I would like to pay the XXXX and be done doing business with this company
Product: Debt or credit management

Credit karma pre approved me I was not therefore my credit went down this happen multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copied of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

Speaking with Representative XXXX of Statefarm Bank Auto Finance on XX/XX/2019 at XXXX XXXXregarding the additional payment of XXXX with a total of XXXX due by XX/XX/2019. I advised XXXX that I make all split payments bi-weekly of XXXX and XXXX so that my all payments are made on time. The representative asks to place me on hold to review my account. 

Representative XXXX goes on to say sometimes payments post in the next month. I advised him that I reviewed my payment history prior to contacting Statefarm Bank and my payments are not late and both payments were posted on time bi-weekly and I also checked my bank statements as well. 

The representative gets back on the line and confirms that I am correct and it looks like it was a mistake on their part. The representative asks to place me on hold again to reach out to another department for assistance. 

The representative XXXX advised that my payment of XXXX on XX/XX/2019 went to the principal which from my computer does not give me the option to make such a request. The representative XXXX continually insists that I have the option to do so. 

I advised the representative that I can't see any options on my end from my computer to chose other than to make a payment from my checking account. The representative states that he needs to contact another department to get this resolved and that it takes time and tries to end the call when I'm still addressing my payment. I asked the representative how much time will it take to get this resolved because my next payment is due on XX/XX/XXXX for XXXX which the next payment should reflect XXXX. 
At this point, he is rude and I requested to speak to a Supervisor now and advising the representative XXXX that I don't appreciate his tone with me and that I have been a Customer of Statefarm Bank since XXXX and have Homeowner 's, life, auto with them. 

The representative continues to place me on hold for more than five minutes and still have not reached a supervisor and wanted me to speak to one of his colleagues about my payment issue. 

The representative XXXX places a supervisor XXXX, alias identifier is XXXX, states that I requested to have my payment applied to principal this time by coupon book and I advised the supervisor that I make online payments and that I do not use a coupon book to make payments. The supervisor XXXX, admitted that it was an error on their end and that they will try to get it resolved soon. 

I advised the supervisor that maintaining a good consumer relationship with customers is important and more importantly, my credit should not be tarnished because of their mistake. I advised that I need this resolved by XX/XX/XXXX so that I can make my next bi-weekly payment of XXXX. Lastly, I have been on this call with Statefarm Bank for forty-six minutes. I just tried to go back online to my account and now I'm unable to view my account because of their mistake. I'm really concerned that something is not right here. 

Please assist with this. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL  XXXX XXXX email ( XXXX ) XXXX Mobile
Product: Mortgage

In XX/XX/XXXX my mortgage co-OCWEN LOAN SERVICING did an escrow analysis of my mortgage then sent me a check for {$700.00} saying we had too much in escrow-Then in XXXX they paid my town taxes which put me in a negative escrow. Every month since then I have been and still am in a negative escrow balance. Numerous phone calls to them have not fixed the problem it has just gotten worse. Every time I call they tell me my mortgage payment will be a different amount The XXXX time they told me the problem would be fixed if I sent them a check for {$700.00} which I did on XX/XX/XXXX. Then they called and told me my mortgage payment would be raised from {$840.00} to {$920.00}. in XXXX. Then they called me again and said mortgage payment would drop to {$830.00} with {$190.00} of that going to escrow. I called them and said that was way wrong and was told they would do another analysis but am still waiting to hear back. ALL these people need to do is simple math -- -My town taxes are {$850.00} XXXX times a year which equals {$3400.00} so they need to escrow {$280.00} a month so that times XXXX equals {$850.00}. {$850.00} to pay the town taxes XXXX times a year will equal $ XXXX.I ca n't make then understand this. I need help getting them to fix this problem before it gets any worse. I think they are doing it on purpose to try and take my house away from me.
Product: Debt collection

This debt buyer popped up on my credit report stating I owe said amount of money in which I do not. I have never had a account with is company and I told them that and stated that I have a police report and they still say I owe the debt even tho they also have my name spelled wrong in which I have not told them about that yet.
Product: Credit card or prepaid card

My credit card stopped working for some unknown reason a few days ago. 
I sold my house, had the telephone disconnected, and began staying at a hotel until my new house is completed. 
Have tried many times over several days to get XXXX XXXX to remedy the situation. 
Each time I am told that someone will call me back on my cell to verify info. 
The return call has never taken place. 
My account has always been in good standing. 
Balance paid in full and on time each month.
Product: Credit reporting

Not only have I requested my Credit File Annually, I have not received this report in 2 years. I am tired of the lies and games with MY credit file. This company received MORE than the XXXX items listed in their denial letter sent to me. I have proof of documents received that were sent to all XXXX of the credit reporting agencies. The documents were tracked & posted as delivered. The agencies received a copy page of a previous credit file ... a Copy of my US S.S. card, a copy of my FL state issued DL, a copy of a Utility bill, full information, name addresses 2 years and prior, and my Post office address. AND THEY ARE STILL PLAYING A GAME WITH MY CREDIT FILE. I want my copy EVERY YEAR. Not once every few years, after I take legal action every time for 6 months to receive it.
Product: Credit card

I have XXXX accounts with Comenity Bank ( Victoria Secret and XXXX  ) that I have paid off and closed. The XXXX accounts are still showing on my credit report. I have tried to call to speak with someone and I am either never able to get through or get any resolutions.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I am filing this complaint against Experian for failing to resolve inaccuracies on my credit report and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite disputing the following accounts as fraudulent, Experian has neither corrected the errors nor provided evidence of how they verified the accounts : XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XX/XX/year> Experian failed to notify me of how these accounts were verified and did not provide evidence showing I am obligated to these debts. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), Experian must delete inaccurate or unverifiable information within 30 days of receiving my dispute. Additionally, I am requesting that these accounts be removed from my credit report within four ( 4 ) days of their receipt of this complaint, as the law requires prompt correction of errors. 

Experians failure to fulfill its legal obligations under the FCRA has caused significant harm to my credit standing, and I demand immediate resolution.
Product: Checking or savings account

I registered for an account on Tradestation.com on XX/XX/XXXX and the promotion terms stated that I would get {$150.00} if I deposit {$500.00}. I registered with their promotion code " XXXX " on the application. I followed up with them to confirm that I was registered with the right code because several hours later I saw that they changed the promotion terms for {$150.00} for a deposit of $ XXXX. I spoke to them through their online chat and they said " Your account was approved but the promo code was not accepted. '' There was nothing on the website that told me that the promo code was not accepted when I submitted the application. This is illicit because I registered with the correct promotion code and the application was approved. I would have never of known that they would not honor the promotion code if I did not contact them.
Product: Credit card or prepaid card

I have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.
Product: Credit reporting, credit repair services, 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 15 USC 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 XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.