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

I am filing this dispute AGAIN because EXPERIAN is the ONLY credit bureau still FALSELY reporting my XXXX XXXX XXXX account as ''CURRENT, WAS PAST DUE 30 DAYS. '' I have already disputed this multiple times, yet Experian has failed to fix this blatant error. Other credit bureaus are reporting it correctly as " PAID OR PAYING AS AGREED, '' which makes Experian 's continued failure to update this account nothing short of negligence. Let me remind Experian that under the Fair Credit Reporting Act, Experian are legally obligated to ensure MAXIMUM POSSIBLE ACCURACY in consumer reports under 15 U.S. Code 1681e ( b ). Failure to correct this inaccurate information after my previous disputes is a DIRECT VIOLATION of 15 U.S. Code 1681i ( 5 ). That law clearly states that if information is found to be inaccurate, incomplete, or unverifiable, it must be CORRECTED OR DELETED IMMEDIATELYand the source must be notified. By ignoring my previous disputes, Experian has also violated FCRA 611 ( a ), which requires proper reinvestigation of disputes. This is not just incompetence ; it is willful noncompliance with the FCRA, and under sections 616 and 617, damages of {$1000.00} per violation apply for each instance of willful or negligent noncompliance. Experians inaccurate reporting is harming my credit and creating an inconsistency with other bureaus, which have correctly reported this account as " Paid or Paying as Agreed. '' How is it that XXXX and XXXX can get this right, but Experian CAN NOT? This continued false reporting is UNACCEPTABLE, UNLAWFUL, AND DAMAGING. I demand that EXPERIAN IMMEDIATELY CORRECT THIS ACCOUNT TO REFLECT 'PAID OR PAYING AS AGREED ' and send me proof of the correction without any further delay. If this error is not corrected promptly, I will have no choice but to take additional legal action to hold Experian accountable for this gross negligence and violation of federal law. Enough is enough!
Product: Credit card or prepaid card

In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX  XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXX XXXX  XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Product: Debt collection

XX/XX/XXXX mailed certified mail to request validation by certified mail ( see attached ) XX/XX/XXXX have not heard from them and they have not marked my account as a dispute submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, 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 a account without my written instructions
Product: Debt collection

I keep seeing this XXXX XXXX on my credit report for collections in the amount of {$430.00} from an account opened in 2019 through Synchrony Bank. I don't have any cards with Synchrony Bank as the financial establishment. That is not my account. I have disputed this as fraudulent with the credit bureaus at least 5 times to no change. No one seems to know where this came from. It is not my account. I want that removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX  XXXX  XXXX XXXX  Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Product: Money transfer, virtual currency, or money service

When paying for an XXXX purchase they use PayPal to facilitate the card payment. The complaint is really against XXXX because it happens in their app. 

Firstly, when using the UK issued debit card, XXXX defaults to offer currency conversion from GBP and to charge my card in pound in the process that is known as dynamic currency conversion, although I have in previous transactions selected I don't want it. 

On the checkout screen XXXX doesn't disclose the additional cost for the XXXX service they've added by default. 

When clicked on the " additional currency options '' link below, XXXX/PayPal then disclose that the preselected GBP option includes a 3.5 % and converts at XXXX. When I XXXX for live exchange rates from XXXX and XXXX, the exchange rate at the time was XXXX. Therefore the markup is 4.28 % and not 3.5 %. 

I would like to lodge XXXX complaints : 1. XXXX adding a financial product ( XXXX ) by default, without disclosing the cost of that product. 

2. XXXX and PayPal showing the incorrect XXXX markup.
Product: Mortgage

Im trying to close and sell my home but Bank of America can not give me a payoff amount. They say it will take 7 days.
Product: Debt collection

They were falsely reporting on my credit report, then I filed a complaint where they said it was closed & they removed it from XXXX XXXX XXXX but it is still showing up on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, XX/XX/2021,XX/XX/2021,XX/XX/2021 I've disputed inaccurate information and have not got a respond FCRA LAW requires 30 days its been 4 months without any verification, validation or investigation tooken.
Product: Credit reporting or other personal consumer reports

Hi- to whom it may concern I just checked my credit profile for the first time and noticed there are unauthorized inquiries that i believe someone stole my information.. Attached i have filled a identity theft report my records and your use. XXXX XXXX XXXX  IS ALSO ATTACHED. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I requested all 3 consumer credit reports. XXXX verified my identify immediately, XXXX indicated they could not identify me, and Equifax simply rejected my request with the same response " We could not identify you. '' XXXX sent me a post card on XX/XX/2022 indicating that someone had tried to get my credit report. They asked for two forms of identification. I sent them my VA XXXX Drivers ' License and my social security card. 

No response. I really need to get these credit reports.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal Wells Fargo Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Wells Fargo Bank the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Wells Fargo Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Wells Fargo Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to Experian and XXXX about 4 negative accounts that were removed from my XXXX  Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and Experian and XXXX refuse to remove them like XXXX  did. Also, I have not received a response letter yet and its been more than 30 days.
Product: Debt collection

i called XXXX XXXX  XXXX they came out turn it on it only worked one week i called they said i already used it for the month so for half no internet the same way the next month. they told me when i got their service i had to get business account because that person would not work but now they have collection on my credit report for XXXX collection name is RGS FINANCIAL COLLECTION IS ON ALL THREE CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was announced XXXX/XXXX/XXXX that Equifax failed to properly protect my personal and confidential information which they had stored about me, by allowing it to be accessed by perpetrators unknown via the Internet. 

Further, it was announced that they have known about this breach since XXXX/XXXX/XXXX but kept quiet until XXXX/XXXX/XXXX. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, We have an ongoing problem with Equifax Commercial that Equifax has done nothing about. Equifax has been notified in writing several times, in the past 18 months regarding an issue with our Equifax Credit Data at XXXX. Attached are some reports, recent in XXXX, XXXX and XX/XX/XXXX from XXXX that show our Credit with XXXX XXXX  XXXX, XXXX, and Equifax. Note that Equifax is showing a " Charge off '' in my Credit History if you can open the Attachment with the XXXX  and a D Risk Rating for my company assigned. 

If Equifax feels that this data is accurate please let me know. If Equifax disagrees with what XXXX is showing in our profile to potential Lenders, then Equifax must finally do something about this and reach out to XXXX to see what is going on in the Contract between Equifax and XXXX. 

As per the attached recent correspondence, attached. Our Lawyer sent a Letter regarding this erroneous Credit Data that is False and Fake from Equifax on the XXXX company profile for us. Equifax has not yet responded. However, XXXX has an Inside Counsel named XXXX XXXX who is " Standing By '' their Assessment, that he says is " According to Equifax '' That XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ( my company ) needs to take up this issue with Equifax. 

Every single Letter, Call and Report to Equifax about this Alleged Charge-off that Equifax is reporting on my company that we have sent in the past 2 years ( since XXXX ) has been ignored by Equifax. Equifax sends sometimes a copy of my company 's Credit Report that is clean and does not have any negative information, however the XXXX company when they see that still refuses to make the correction. Equifax is not handling this properly and we are demanding that Equifax will review the Attached information where XXXX is claiming that " Equifax Says that XXXX XXXX has a D /386 company score ''. 

Also they ( Equifax ) refused to send me copy of my recent Business Credit Report the last time I called. I can't understand why they ( Equifax ) would not want to help us to have this mattter corrected and resolved. Further, Please let Equifax know that According to XXXX XXXX, Inside Counsel at XXXX ( Please see all attached ) the ONLY WAY TO GET THIS MATTER RESOLVED IS WITH EQUIFAX. 

I have also attached a copy of our Equifax report first page from 6 months ago for this. Please let me know what you find out! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EIN number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX added an negative account on my report without sending me a dunning letter. On XX/XX/year>, i sent them a letter requesting validation and verification of this alleged debt, but they ignored me. Till now, they are still reporting this negative information on my report
Product: Debt collection

I was contacted by mail from a debt collector, Penn Credit, claiming that I owe {$69.00} for a traffic citation. 
I called their XXXX but they claimed I still owned the debt. 
This traffic citation was paid directly to the XXXX XXXX XXXX on XX/XX/2018. 
I have proof of payment.
Product: Mortgage

My social security number was stolen by my XXXX  they, they have been claiming me on her XXXX XXXX for almost 20 years, recently she opened a XXXX  in my name in XXXX of XXXX and an XXXX loan in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau Name , I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$600.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$680.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Bank XXXX XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$24000.00} These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize any of the aforementioned accounts or collections, as they were not opened, made, or initiated by me. All listed accounts and inquiries are a result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have an account with the XXXX XXXX app that allows its users to have access to the money they 've earned after a working day. That money borrowed is deposited from our account to the app in that exact amount. However every pay week there is an agonizing delay of JP Morgan Chase Bank reporting back to app that I have been paid, so that I may begin to use the app again. I have used this app almost 2 months and have had this problem every time, that in which includes today. The app suggested I either write this report or tweet the bank in which would get their attention. I have XXXX the bank several times and only once has the problem been solved expeditiously.
Product: Debt collection

Dates that I have been disputing the charges and balances myself. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Speak to XXXX XXXX XXXX National Credit System XXXX she said that was not willing to work with me. 

And I also have a collection repair company helping. And they started sending letters to National Credit System on XXXX. 

XXXX XXXX which is the original creditor. Misinformed this third-party collection agency National Credit Systems . I'm not sure exactly what was communicated between XXXX XXXX and National Credit Systems when it comes to the balance that I owe. I informed XXXX XXXX that I was moving out on XX/XX/XXXX. As I was moving out the manager XXXX was kind of upset that I was moving out He was giving me a hard time today that I was moving out and from the movers. even though I gave them a 60-day notice the day that I was going to be moving out which is required based on the lease agreement. On the day that I moved out, I gave the least assistant manager the keys to the apartment that was moving out on. So, I don't understand why I am getting charged for the whole month of rent if I didn't stay a whole month based on my agreement of moving out. This is why the National Credit system is charging me more than what I was supposed to be charged with XXXX XXXX already collected by keeping my security deposit. If my rent was {$930.00} a month how did it get to the amount that they're trying to charge and they're trying to charge me for the whole month 's trash, I don't know what the misc charges are and utilities. Where I pay my own utilities, I'm not sure where that's coming from. And on top of that National Credit Systems, I also sent some named XXXX XXXX acct number XXXX address XXXX XXXX XXXX XXXX XXXX GA XXXX along with my mail in my letter envelope had someone else 's collection letter saying that they owe a debt. When I spoke to the collections representative XXXX XXXX XXXX ) and I'll let her know she didn't seem to be bothered and she did not care. And she was not willing to work with me today regarding this collection balance due to me. 

I let some codes here. I hope they will help. 
15us code 1692 c 15us code 6801-6803 15us code 1681H 15us code 1681i 15us code1681a ( 2 ) ( b ) 15us code 1692 ( c )
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.