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

On XX/XX/XXXX I sent a XXXX letter to Experian ( XXXX ) asking that they remove certain inquiries off my credit file, that did not belong to me. 
As well, any addresses other than XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL. XXXX. 
Subsequently thereafter, I was notified through Experians ( www.experian.com ) credit monitoring system as well Experian id works ( XXXX ) on Wednesday XX/XX/XXXX about a potentially negative item on my credit bureau which was XXXX XXXX XXXX. 
I personally reached out to XXXX XXXX XXXX and confirmed with them that this was an error. 
They themselves, were not sure why Experian was reporting this information on my credit file because the social security was not mine XXXX, neither did the address match. The only thing matching was the name, they stated they asked Experian to remove it immediately. 
A few days later I discovered that monthly subscription of a free credit report with ( www.Experian.com ) was not  working as well the same with ( XXXX ) both services were giving error messages for not being allowed to pull my credit bureau. 
Experian id works filed a trouble ticket on my behalf with Experian directly because Experian has me on a write in status only. ( Completely abusive tactic on Experians part for people who ask them to respectively do their job correctly, they will ban you from calling ) For an over entire month, Experians technical team gave their own colleagues the run around and continually stating they were addressing the error messages and finally this week, Experian told their affiliate to tell me, the party has to put his request in writing almost two months later. Completely and Utterly Unbelievably Abusive That same day my credit file miraculously came back online with both www.Experian.com and www.Experianidworks.com however this credit file was not mine and had been crossed with another social security numbered credit file other than mine, an entirely different credit file that had nothing to do with me. 
My credit file XXXX was completely fine with the exceptional of XXXX XXXX XXXX and XXXX being reported prior to XX/XX/XXXX. 

I faxed Experian 35 pages on XX/XX/XXXX to XXXX explaining the serious and urgent nature of this matter which included a bank statement for address proof, a copy of my social security card and a copy of my government issued passport, along with the credit report and all its inaccuracies, which was successfully transmitted. 
I also overnited the same documents to Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX tracking number XXXX XXXX XXXX Again Experian has caused and is continually causing me some irreversible damage, because of someone's poor performance.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed 
an incorrect late payment record on my XXXX  XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Bank of American acct XXXX I have resigned the paperwork for settlement and the deed three previous times, since XX/XX/XXXX. In XX/XX/XXXX I received a phone call saying that the paperwork was incorrect and they would give me {$350.00} for my trouble if I would just resign. I told them I would, but I want the old copies back that I have previously signed. I wrote to your agency and immediately received a call from the presidents office at BOA. they said that they were sorry and they would have the paperwork and the old paperwork that I signed sent to the BOA office in XXXX Pa. they would call me when it arrived and I agreed to go up and resign. Since XX/XX/XXXX, no other contact was ever forthcoming. I assume that they had gotten the county to accept the paperwork. 
Today I received a call from the management company who oversees this property and it seem that XXXX XXXX XXXX had been retained by BOA and had sent a XXXX package to my XXXX home, even though the paperwork in inside clearly shown my mailing address as XXXX XXXX, XXXX, Pa XXXX it was just found on Monday XXXX/XXXX/XXXX and the management company sent it to my home address. 
I called XXXX XXXX, at XXXX XXXX XXXX. and told her the story and she said that she would let BOA know. I also advised her that I had contacted XXXX county recorder of deeds and they advised me that the reason it was never filed was that they require a FONT of 10 or higher and the BOA paperwork was 9. Looking at the paperwork from XXXX XXXX XXXX. I would guess the font is a 7 or 8. I asked her for a copy of the letter that she would be sending BOA. HOPEFULLY I will receive it Clearly BOA and it representatives do not know what they are doing and I do n't wish to be harassed any more because of their incompetence. They can contact me when the paperwork arrives at XXXX ( both the XXXX incorrect copies, and the new copy in the correct font so that XXXX county will accept it. FYI, my mortgage payment was paid to day and paid ahead.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2014 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX acct # XXXX failed to provide proof of this account is XXXX XXXX XXXX account with a physical signature for this account. This a violation of 15 usc 1681b for that I didn't consent to this account being reported. Also XXXX XXXX has failed to validate this account is mines under 15 usc 1692 g validations of debts. I also found that XXXX XXXX XXXX XXXX Equifax and XXXX have been been selling my debt as securities and making profit according to the Sec filings that's filed without my permission. This is also a violation for my consumer rights under 15 USC 1348 which is Securities and commodities fraud
Product: Credit reporting or other personal consumer reports

While reviewing my credit report today, I was shocked to discover accounts that do not belong to me. This was unexpected since I routinely monitor my report. I initially thought it might be a technical error and refreshed my browser, but the incorrect accounts remained. Therefore, I am asking for a detailed review of the documents I have submitted to ensure this issue is resolved once and for all.
Product: Checking or savings account

Accounts that exist in my report that I never opened & never know about such as capital one XXXX XXXX  I want to clean my name & raise my credit score
Product: Debt collection

On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other XXXX account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.
Product: Credit card

I am having this American express account for like XXXX years I keep on making my payments and the balance is not getting any lower they charge an APR of 25 % which is outrageous. 

I never missed a single payment ever I was the one who closed the account not they.
Product: Credit reporting or other personal consumer reports

Here is the translated text in XXXX : I am contacting you to dispute inaccurate information on my credit report under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with its duties.

After reviewing my credit report provided by [ XXXX XXXX XXXX XXXX have identified information that I believe is inaccurate and must be investigated and removed immediately. 

Under the FCRA, you are required to ensure that the information reported is accurate and verifiable. Upon receiving this letter, I request that you promptly investigate this matter and correct any errors found. I also request that you remove any unverifiable information from my credit report and notify me of the results of your investigation within the legal 30-day timeframe.

It is important to note that under 15 USC 1681 ( o ), credit bureaus can be held civilly liable for negligence if they fail to comply with their legal obligations. If this matter is not resolved appropriately, I reserve the right to take the necessary legal action to protect my rights and my credit history.
Product: Checking or savings account

I received a check on the amount of {$3700.00}. This check was mailed to me priority mail thru USPS. 
I called the bank that the check was written from to verify the account was open and legit. They informed me that the account was open. I used the account number at the bottom of the check. 
I then went to XXXX to cash the check but they couldn't cash it because of the amount. 
So I deposited the check into my account thru an ATM. I only have access to an ATM in this city. The closest bank branch is an hour and a half away and I couldn't make it to the branch before they closed on Saturday the XXXX, Same day I received the check. 
Thinking that if the check was not good, the bank wouldn't cash it and they could go after who wrote the check. 
NO, NOW BOTH OF MY BUSINESS CHECKING ACCOUNTS HAVE BEEN CLOSED AND I HAVE NO ACCESS TO MY MONEY. 
I thought I was doing the right thing and Bank of America screwed me over as hard as possible stating that I am responsible for everything that goes in and out of my account. HOW AM I RESPONSIBLE FOR A CHECK I DIDN'T WRITE AND I HAVE THE LETTER THAT CAME WITH THE CHECK.? 
BANK OF AMERICA IS STATING THERE'S ABSOLUTELY NOTHING THEY CAN DO. 
I HAVE BEEN TOTALLY SCREWED OVER FOR NO REASON ON MY END. WHERE AM I AT FAULT FOR ANYTHING?
Product: Credit reporting or other personal consumer reports

This is my third attempt to address this issue. I have filed disputes with all three credit bureaus and lodged a complaint with the CFPB as well. On XXXX XX/XX/year>, I opened an account with XXXXXXXX XXXX through TD Bank for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, phone coverage, and various other gifts included in the bundle offer. 

Shortly after placing the order online, I received the attached document but no subsequent instructions on how to set up my account. It's possible that the email containing account setup information was intercepted by a hack ( as has occurred previously ) or lost due to factors beyond my control. For this reason, I utilize both credit and ID theft monitoring services. 

The primary goal of my fourth attempt to resolve this is to assert that I did not receive any account setup information ( neither via email nor postal mail as indicated in the attached email ) until my credit monitoring service ( i.e., XXXX XXXX, XXXX, XXXX XXXX, etc. ) flagged the overdue amounts as a derogatory remark on my credit report. 

I am at the mercy of the TD BankXXXX XXXX to rectify a mistake for which I believe no one is at fault ; however, it impacts my 34+ years of impeccable credit history and an XXXX XXXX score for no reason other than what TD BankXXXX XXXX deem as obligatory factual reporting . Once again, as a loyal XXXX customer for nearly two decades, I do not wish for this relationship to be tarnished by a seven-year derogatory mark on my credit report for an issue that has since been resolved and was due to a missing email or piece of mail that was either lost or intercepted. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used my Comenity XXXX rewards card in late XXXX/early XXXX and my bill was due on XX/XX/XXXX. I get my statement for XXXX and it is the old balance along with interest and a late fee of {$27.00}. I sent a check on XX/XX/XXXX and when I called Comenity it said it arrived on XX/XX/XXXX, 11 days later. They told me they had already removed a late fee from XXXX and can only do so every 18 months, I then said that I RARELY use this card and recalled that I mailed my check on either XX/XX/XXXX or XX/XX/XXXX, it was due XXXX XXXX. And again it didn't arrive until either the XXXX or the XXXX. Told the guy this was very fishy and was going to report it. I am pretty sure these are the only two times I have used this card in the last year. I have since cancelled the card.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with Mohela regarding my student accounts on recorded line in which I made a payment and the individual I spoke with stated if I made a payment I would not be reported to the credit bureau. However, I was that reported delinquent the following week on XX/XX/XXXX which my credit and my mother who has a XXXX XXXX ( XXXX XXXX ) is my co-signer on the account down almost XXXX points. The individual did not give me other options to bring my account current but options to lower payment to about XXXX XXXX and sent option vial email to fill out paperwork and send back. I then spoke to someone again on XX/XX/XXXX Regarding the same accounts who seen the previous call and provided different information for the account and again gave me another option to lower payment to XXXX XXXX on same accounts. I keep being told misinformation or different programs. Even during the call she made the statement that I was given 3 different options 3 separate times because I also called on XX/XX/XXXX and spoke to another individual so I dont believe I am given correct information to make inform decision regarding my student loans accounts which in turn impacts my credit score. Also on credit reporting website XXXX its says Federal student loan payments now report to the credit bureaus when 90 days late. Make sure to keep your account current. and I was reported 60 days which is also misinformation displaying on website.
Product: Student loan

According to my promissory notes signed by my cosigner and myself for my UNDERGRADUATE LOANS, there is no language that stipulates a deferment amount of 120 months for an undergraduate loan or on any other paperwork support their deferment policy. Also, you will see on my attached paperwork that our disbursement does match the amount we had signed for. XXXX did not fulfill their contractual obligation and therefore, it should be voided. The amount of loan should be charged off and any payments made on behalf of the loan should be refunded.
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. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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

Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.
Product: Mortgage

I went into forbearance a the start of the COVID outbreak in XX/XX/XXXX. I told Ameris Bank that I would be ending the forbearance period at the end of XX/XX/XXXX. I choose to tac on the missed payments to the end of the loan, deferring payments. I was approved by all internal to Ameris Bank checks and audits by the end of XX/XX/XXXX. My account however, is still being managed by the loss mitigation department because there is an internal IT glitch where " the system '' is not recognizing that my account is no longer in forbearance. 

It has been more than 7 months XXXX XX/XX/XXXX XXXX since all steps to remove the flag on my account has been completed and my account is till not available for automatic payments and the information that I receive online is still inaccurate. 

I have reached out to Ameris Bank to address this issue every month to get an update. There is no update. I have emailed multiple times directly to their loss mitigation team email account and through the online account " secure messages '' system. Both emails have gone over a month without a response. 

This is very clearly, by Ameris Bank 's admission, an issue with their system not updating a flag in their database. This is something that they have mentioned was refreshed to help others in a similar position on XX/XX/XXXX that did not work for my account. There have been intimations that there is the ability to manually update the account on the back-end, which as a manager for a software company, I can say with 100 % certainty could be done if they escalated this issue sufficiently, yet they have not done so. I can also say that a batch run to update multiple accounts similarly situated should be more than feasible.
Product: Debt collection

This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid. 

My credit has been pulled 12 times atl east which can also hurt my credit.
Product: Credit reporting or other personal consumer reports

equifax reinserted a account that was removed through litigation and refuses to delete it