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

After reviewing my Experian credit report, I discovered inaccurate information that I believe places Experian in violation of my rights under 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the following 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 Under 15 USC 1681s-2, furnishers of information are required to provide accurate data to credit bureaus, yet these errors persist despite my attempts to resolve them directly with the furnishers. 
The presence of these inaccuracies is negatively impacting my life, restricting my ability to access credit, limiting financial opportunities, and causing unnecessary stress. Furthermore, the incorrect information makes identity theft more likely, as unresolved or inaccurate data can leave my personal and financial details vulnerable to misuse. I have disputed the errors with Experian, but they have failed to conduct a proper reinvestigation as required under 15 USC 1681i-5.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XXXX  identity theft and fraudulent charges! 

In XXXX of 2021, XXXX charged my debit card for 60 transactions totaling {$9900.00}. As this is a business account for XXXX XXXX XXXX  and I am the XXXX, I identified the problem at month end reconciliation and immediately reported it to Bank of America. The criminal also used my debit card to charge {$1200.00} in auto loan and Bill Pay expenses without verification. 

I have NEVER used XXXX and do not have an account. I have contacted XXXX multiple times but XXXX agents refuse to provide any details on the transaction. Multiple claims have been filed, including fraud claims open with Bank of America claims with identitytheft.gov, and police/FBI reports filed. XXXX has trapped me in a web of never-ending transfers and no one can provide any information despite transaction dates and unique identifiers being provided. 

Authorities are proceeding with the criminal case. Bank of America continues to move very slowly and provides no details or communications on their progress. XXXX refuses to answer any questions. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. This inaccurate item is not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete the late payment from this account. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. Also take note that, I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit card

I believe I am victim of a bait and switch program by American Express. I am seeking proper mediation to resolve this perpetrated incident. My efforts to communicate an awareness and justify clarity are being ignored with humiliation. 

On XX/XX/year>, I applied to an online credit card offer and was immediately approved to the given specified terms and conditions. This was mentioned in a dispute letter sent to the American Express authority and is being unrecognized. The lack of American Express transparency does not provide information on past or current accounts ( unknowingly what account are active or closed ). 

The presentation of billing statements are inaccurate. On XX/XX/year>, I received my initial billing statement with a balance of XXXX it was in participation to the new approved offer, there was no interest amount applied. This compelled me to utilizing the 0 % spending terms. 

On XX/XX/scrub>XXXX XXXX XXXX the second billing statement arrived with a balance of xxxxx this time there was a decision to apply a XXXX XXXX  interest rate. 

In summary, American Express has mention they have complete control setting all credit card terms and condition at any time. American Express ethical standards could have avoided this harassment by denying my credit card application and in the content of business manners could have disclosed a reason not to honor my request and not immediately approve the welcoming offer. 

Is there any enactment to abolish this type of behavior? 

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

This is my 9th 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. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry appeared on my credit report, dated XX/XX/2022, that I did not authorize. I didn't apply for any credit cards, loans or other products.
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 charges debited from checking account that I did not authorize. I immediately called my bank Wells Fargo and spoke to the Fraud department. They immediately stopped my debit card that they say was used. The two charges were for the same exact amount of {$47.00}, shows authorized on XX/XX/XXXX at XXXX XXXX ' XXXX, CA. The customer service member at Wells Fargo was able to tell me that he did show the card was not physically swiped at the location. I was issued a new debit card as my current one was comprised and a claim was opened. I received notification today that the claim was closed. When I called Wells Fargo they advised me their internal investigation determined it was not fraud and that I would not be reimbursed for those two charges. They will not provide me the location the charges were made from or how they arrived at their determination and what proof they had that I authorized the charge and that it was not fraud. I was also hung up on by the representative when I asked how I can appeal their decision.
Product: Credit card or prepaid card

I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.
Product: Debt collection

There as been a fraudulent account that was open with my SSN and was placed on my credit report which i do not have any association with, I have tried many ways to request for Validations of this debt but nothing was working, this account was sent to collections which is showing on my report and I do not have nothing to do with the account nor have association with the primary lender.According to the FCRA section 611 it is a violation to report inaccurate information on a consumer report so I am requesting that this collection should be removed. 

LVNV Funding LLC XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Mortgage

A refinanced loan was sold to Planet Home lending in XXXX. The loan was not to include escrow for Tax and insurance. I made them aware of the issue XX/XX/XXXX after waiting for over an hour on hold. I made a full payment {$2000.00} because they threatened collections even though the payment amount on the notarized loan documents stated {$1500.00}. A check was then sent to them by the originator for the amount of {$1500.00} they have held that check because my account is in review. Now on XX/XX/XXXX they are again calling me for collections for a payment that was to be due on XXXX. Even though they are still holding a payment. Every time I call I am on hold for more than a hour and am told to just make the payment to stop the collection calls, as they are still reviewing the account. They are now refusing to refund the over payment or apply the the amount paid to the loan. The only option they gave me was to go ahead and make another payment to get my account out of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Product: Mortgage

I have a 20 year mortgage with PHH Mortgage. I am having trouble in resolving an incorrect tax payment issue made by them for XXXX XXXX and XXXX XXXX. Here is the summary of the problem : 1. They incorrectly paid property taxes for XXXX XXXX and XXXX XXXX to a different county ( I am from XXXX XXXX XXXX XXXX XXXX XXXX and they paid to XXXX XXXX XXXX XXXX XXXX ) 2. As a result, my taxes were delinquent for 2 qtrs and I was notified by my county. 
3. When I contacted them in XX/XX/XXXX with the issue, they took 3 months and finally made the payment on XXXX XXXX for the delinquent taxes. 
4. They were trying to collect the incorrect payment but were following up with the wrong county. 
5. After failing to recover the amount, they are now trying to recover the amount from me as additional escrow payments citing negative escrow balance. The negative balance was created by their mistake of making payments to the wrong county 6. As a result, my mortgage amount will go up by {$180.00} per month from XX/XX/XXXX 7. I am trying to resolve and reverse the increase as their failure to collect and recover the money is not my problem and I should not be victimized for the same 8. I am been calling them up every week for last 6 weeks and getting no resolution at sight. Need help
Product: Debt collection

In XX/XX/2023 I reached a settlement with XXXX and Aldridge Pite Haan on credit card debt. I was represented by XXXX XXXX. My firm file number is XXXX. 

I have made monthly payments to Aldridge Pite Haan. I have all my recorded payments to Aldridge Pite through XXXX XXXX XXXX XXXX, last XXXX digits of the card XXXX. 

In XX/XX/2023, I inquired into my account balance with XXXX XXXX. The remaining balance was {$1000.00}. The firm does not provide any balance or payment history when entering the payment system or sending payment. 

I sent another inquiry recently as I am nearly done with payments. I received a reply from XXXX XXXX claiming I now owe more than what I originally owed, over $ XXXX responded, stating the amount was erroneous, explained that I had paid regularly since the settlement. and I requested my payment and balance history. 

I received no response. I followed up and XXXX XXXX stated they would send a letter to the attorneys at the firm as my account file number was not found when entering into the Aldrige payment system. But I have yet to receive any response, requested information, and my balance fixed. 

Aldrige Pite Haan is deliberately doing this to try to garnish more money from debt collectors. There are reviews on XXXX and numerous other websites where users describe these similar tactics. The firm is not responsive and they do not provide payment or balance history when requested, and they manipulate balances for profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is my second time making a complaint because XXXXXXXX XXXX still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account XXXX XXXX account number XXXX to XXXX XXXX XXXX XXXX on XXXX and XXXX account on XX/XX/XXXX. I sent comenity bank a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. XXXX responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response XXXX XXXX XXXX, XXXX ( " XXXX '' ) investigated your complaint. We previously closed the XXXX accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the XXXX accounts unless otherwise permitted or required by applicable law. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from XXXX XXXX XXXX XXXX. They responded with the wrong account number for XXXX XXXX account number supposed to be XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine but of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair act 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO DISPUTE THE FOLLOWING INACCURATE ACCOUNTS ON MY CREDIT REPORT EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have had my current XXXX XXXX XXXX Business Credit Card since XX/XX/XXXX. In the last couple of years I have been having increasing issues with the account being incorrectly put on a fraud hold not allowing me to use the card until I call their fraud protection team to remove it. Each time I spend about 15 minutes on the phone to have them go through a list of charges, which all are valid. In the last 6 months this issue has increased to an average of once every 2 weeks. I have not had an issue like this with any other business or personal credit card before. 

For documentation the most recent times I have had to call in was. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thanks. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief. Or provide proof in writing within 30 days.
Product: Debt collection

On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.

Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
Product: Checking or savings account

On XX/XX/2021 N26 BANK FROZE MY ACCOUNT AFTER WINNING XXXX $ IN DISPUTES THAT WERE PERMANENTLY CREDITED TO MY ACCOUNT. THEY PUT MY ACCOUNT UNDER REVIEW & WILL NOT GIVE ME ANY UPDATE AS TO WHEN XXXX HAVE ACCESS TO MY MONEY ALL THEY SAY IS THERE IS NO TIMEFRAME & THEY ARE INTENTIONALLY TRYING TO KEEP MY MONEY FROM ME & IVE BEEN A ACCOUNT HOLDER FOR OVER 3 YEARS
Product: Debt collection

I have reached out to Experian regarding a collection that is reported on my credit profile by XXXX XXXX XXXX. I have asked Experian many times to properly investigate/validate this collection because I do not recall signing a contract for the services neither did I sign a contract with XXXX XXXX  XXXX establishing an agreement to pay them anything. I've asked Experian to provide me with an original contract that I signed for the services that were allegedly provided and/or an original contract between me and the collection agency ( XXXX XXXX XXXX ). In order for anything to be reported on my credit report, I have to give my permission. Usually this is done when a contract is signed. Therefore, I asked Experian to provide proof that I gave permission for XXXX XXXX XXXX to report anything on my credit profile. Experian is reporting damaging information on my credit report without my permission.
Product: Checking or savings account

usaa removed fundes from my account alledged it went mortgage payment but it didn't in the process i am beimg forclosed on brcause the mortgage ha n't been paid but the funds left my account each mounth the fund werein some cases reversed why and why wasn't i notifyied are charge a return fee how could did this happen n since the va payment came monthly
Product: Credit reporting or other personal consumer reports

In called the credit bureaus to inform of wrong information on my credit reports as well as identity theft.
Product: Credit reporting or other personal consumer reports

Misrepresentations of information was reported on my consumer report as insurance paid odd my Loan form vehicle because of a natural disaster. Notice this is not a Credit report as 15USC 1681A exclusion the term Consumer Report means any written information barring on a persons credit worthiness which are independent from ones Credit Report, Congress says the term Consumer does not include reports that contain information solely as the transactions or expenses which goes against congress as the false report to my consumer report indicating a report of a late payment may be illegal by Fair Credit Act.