23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account has been on my credit report for a couple of years, every month they change the total amount from {$1000.00} to {$1000.00}. I have disputed the acount and demanded verification from the bureaus and from the company themselves. The account always comes back verified but somehow they keep changing the amount owed constantly. This affects my credit rating every time they update it and also affects the date of activity resetting the clock for the 7 year deletion mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX   XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX   XXXXXXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX XXXX/XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX , XXXX/XXXX   XXXX-XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consolidated Recovery is reporting an old business debt on my personal credit report. I am no longer affiliated with the company that owes the debt. The business was incorporated and the debt belongs to the business and not on my personal credit report. 
FCRA 603 ( d ) defines credit reports/reporting as information for establishing the " consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes. '' A business in which I was associated is not consumer information of a personal, family, or household purpose, and does not meet the FCRA definition of consumer credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681a - Definitions ; rules of construction, a credit report is only supposed to contain ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX, & the crediting agencies have reported both transactions and experiences on my consumer report. Late payments are considered a transaction, due to also being charged late fees. I have asked on several occasions for the XXXX Account : XXXX and Account : XXXX listed on XXXX, TransUnion, & XXXX to reverse the late payments on my consumer report, to no avail. 
XXXX has charged to my account LATE CHARGES, and XXXX, TransUnion, & XXXX have furnished my report with these late payments. By reporting these late payments, they are violating 15 U.S. Code 1681a 2 ( A ) ( i ). 
I would like for this account to reverse these late payments on my consumer report to paid as agreed and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My hard inquiries after the two year period ended, my credit score did not reflect the negative drop in my score, that was dinged by the Bureau. The other two Bureaus updated the score according to the numbers it dinged my score. Experian would not. I had 4 on my report, but three now. Two more will drop off this year. I should have my score back where it was dinged by them. I worked too hard to get my score in the high range.
Product: Student loan

The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX  XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed XXXX {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXXXXXX XXXX Balance Owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.
Product: Debt collection

I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.
Product: Payday loan

I have a payday loan with Check Exchange for $XXXX.. I retained the services XXXX and they act as the middle man for sending payments to payday lenders or creditors on your behalf.. Check exchange recieved XXXX payment of $XXXX which would be per month until debt is paid in full for XXXX months..check exchange cashed the check but turned around and said that they want $XXXX per month for XXXX months that would put me in a financial strain I cannot afford right now..I t is not like I am not trying to pay them back what I owe, it may be in a smaill amount, but something is better than nothing at all and they did cash what was sent to them.
Product: Student loan

Because of relocation, I have to leave college for a couple of months, so I contacted my Lender Great Lakes to inform them about the situation. Since, I experience a dramatic reduction on my income, I express my interest about the Income Driven payment plan. At first, the representative mentioned several disadvantages about the program and implied that the income driven plans was not a good option. However, I made up my mind before I called them, so I reinstate my choice with the representative. He asked me some couple questions about my income and current employer and asked me to filled up and application, which have to include my last pay stub and Great Lakes application. I filled out the whole application and attach my most recent pay stub. Then, 15 days latter I got an email requesting a pay stub with my gross income, name, and social security as well. It is not company in the US that is going to reveal the entire social security number on a pay stub. Yet, it is a liability to reveal such a important information on a document, which is only for tax and verification purposes. At this time, I can not afford the regular payments, but Great Lakes do n't understand how the real world works. It seems like their main goal is to push borrowers into loan default. I called them already several times in order to resolve the situation. However, representatives over the phone do n't have any clue about a possible solution, nor it impossible to have a loan specialist called back.Indeed, these are illegal practices towards students.
Product: Debt collection

Hi, I have a service by XXXX XXXX XXXX for an amount of {$840.00}. I have given the clinic my insurance card at the time, which was XXXX-student resources XXXX XXXX, XXXX, Texas XXXX. The clinic has never sent the bill to my insurance, instead they have sent it to the wrong insurance XXXX address in XXXX XXXXXXXX XXXX, Georgia, which is a completely different entities. They have made the mistake, and I should not be penalize for this. I have talked to all parties involved, including OAC XXXX XXXX XXXX, XXXX, WI XXXX ( XXXX ) XXXX. I explained the situation to them, still refused to take the charge out of my account and continue to hurt my credit. 

Thanks XXXX
Product: Credit reporting

Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.
Product: Credit reporting or other personal consumer reports

Experian and Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email earlier through Equifax Inc was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with XXXX not as reported by XXXX through Equifax XXXX Inc for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the company reported a last payment balance in attempt to Re-Aged the account. This information has already been disputed & they failed to correct they information its been over 69 days which my report still showing wrong information. I would like them to remove/delete this negative impact off my credit report it is causing extreme damage to my reputation and well being.
Product: Money transfer, virtual currency, or money service

I am using a wallet called XXXX XXXX ( a Binance owned company ) I had XXXX of USDT in the wallet. One morning I woke up to check the balance, it showed XXXX USDT. Somehow the USDT got hacked, and the XXXX XXXX provided no security mechanism to stop or prevent the transfer. Nor was I alerted to the transfer or asked to approve it The USDT was simply moved without my knowledge or approval. I opened multiple tickets with XXXX XXXX support, and they simply replied with - " your ticket has been closed '' on each occasion proving no resolution or advice whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Attach is a copy of XXXX stating to remove this XXXX account of my transunion credit report and I notified transunion of this and this collection is still reporting on transunion. I need this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I brought my mortgage current by paying the past due amount on the account. I was informed by the mortgage company that by doing that, my account will now be reported as current. My recent credit report is still indicating my account is 120 days delinquent which is inaccurate. I have contacted the mortgage company and they keep telling me that they have fixed the issue, however, my two recent credit reports are indicating they are still reporting inaccurately. I am requesting that XXXX update the 3 credit companies with the most current account information and stop reporting the account as being 120 day delinquent which is inaccurate. Additionally, I only have one account with XXXX but they have two accounts listed on my credit reports which is also inaccurate and i need then to delete the additional account on my credit reports.
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are
inaccurately reflecting my credit history due to identity theft. I have thoroughly
reviewed my credit report from your agency and have identified instances of
fraudulent reporting that I believe require immediate attention and rectification. It has
come to my attention that I have been a victim of identity theft, and the reported
fraudulent items are a result of this criminal activity. I have taken immediate steps to
address this situation, including filing a police report and notifying the relevant
authorities.I request your urgent assistance in investigating and rectifying this
fraudulent activity on my credit report, in accordance with the Fair Credit Reporting
Act. I kindly request the removal of the fraudulent items associated with the
mentioned items, as it is negatively affecting my credit history and financial wellbeing. I am aware of the legal requirement for credit bureaus to investigate and
respond to disputes within 30 days. These are the following fraudulent items that I
want to removed of: AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is in regards to solicitation by Fifth Third Bank. I received their solicitation via mail and then called them to be removed from their solicitation on XX/XX/2024. The person I spoke to said that I would be removed now. However, onXX/XX/2024 I received more mail... So I called again, the guy I spoke with told me he would " escalate '' my request but only took my name and proceed to attempt to end the call by asking me if there would be anything else I needed. He did not ask my my address nor did he ask who the mail was addressed to, ( it was addressed to " our neighbor '' not my name ). He would have had no recourse to take me off their mailing. I then confronted him on this, and he said that this solicitation is part of their marketing department and he doesn't have access to help. I requested to be transferred to someone who could actually remove me from their solicitation, he refused. I then asked to be transferred to his supervisor, he agreed and put me on hold for 10 minutes before hanging up on me. This shouldn't be how they treat their potential customers. Barraging consumers with their junk mail and refusing to take action to remove them from their mailing lists when requested.
Product: Credit card or prepaid card

This letter includes the information related to a complaint I filed today against American Express with the Consumer Financial Protection Bureau. 
In XX/XX/2022 I noticed several fraudulent billings to my American Express account from XXXX Most have been credited. However, XXXXXXXX billed my account TWICE for XXXX. They have only credited me for it ONCE, leaving XXXX for me to pay. 
I have called three times and written that many times. As nice as the service reps are they can never help me, they say the investigation is ongoing though that is not what it says online, and say they are taking care of it. 
No one takes care of it. I have been billed a minimum amount each month and interest on fraudulent charges. I dont trust them with my credit rating. Presently, they owe me what I have paid plus the interest. American Express says I do not have to pay on fraudulent charges, but that is not what has happened since XX/XX/2022. 
They have canceled my card twice. 
They have supposedly blocked that vendor twice. 
I am not using that account so this fraudulent card is all that there is on it. I can not take my time and waste it again by calling them. They send me a ridiculous automatic letter. They ask me the same questions. They need to credit me for XXXX, and return what I have paid to keep my account current.