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

I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives XXXX compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

L J ROSS ASSOC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with L J ROSS ASSOC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

citi cotsco credit card account. 
On XXXX XXXX XXXX was made An agreement with the account creditor. This account was settled and paid. But still showing as unpaid in to my credit history. Or this is not fair. I already called them several times but they dont want to cancel it as we agreed.
Product: Credit reporting or other personal consumer reports

Credit report has not been updated since XX/XX/XXXX. Called and spoke with an Experian rep in XX/XX/XXXX. I was informed that the address on my credit report needed to be updated by uploading a copy of my drivers license to the Experian website. This was done and the report is still reflecting XX/XX/XXXX.
Product: Debt collection

I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
Product: Mortgage

This is a pending complaint on SPS. 
Today, Tuesday, XX/XX/2020, I received more abundance of mail from Select Portfolio Servicing. This is the first time I was informed that SPS alleged not receiving XX/XX/2020 payment. I have provided six months of my bank statements reflecting payments to SPS. However, the check for XXXX that was mailed XX/XX/2020, has yet to clear my bank.
Product: Checking or savings account

1. I opened a new checking account XXXX in early XXXX to take advantage of an offer from the Bank of America : Open new account with outside funds for at least {$50000.00}, maintain the balance for 60 days, receive a bonus of {$500.00}. 
2. I followed the conditions with deposits totalling {$50000.00} on XX/XX/XXXX and no withdrawals for the following 60 days from the no-fee account. 
3. Bank of America did NOT follow acceptable or expected rules, since a with withholding on XX/XX/2020 was taken from the account principle rather that from the interest paid that day This lowered the principle momentarily to {$49000.00}. I would not have expected that a deposit to an account with no fees could decrease in value since no withdrawals were taken. 
4. When the account was initiated, I had a phone call with a representative to be sure I followed the procedures to receive the interest bonus. Starting in mid-XXXX of this year I have had 5 more phone calls speaking with various BofA representatives, and each representative has agreed that I satisfied the rules for the promotion and should be credited with the {$500.00} bonus. The most recent call assured me that an account with no fees ( balance over {$10000.00} maintained ) and no withdrawals could never AT ANY TIME decrease in value. I was also assured that withholding is paid out of the interest payment, and it is not taken from the principle. 

I should have received the {$500.00} bonus to my account over two months ago. Bank of America should make good on the bonus offer immediately.
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/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, Account Name/Number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account Name/Number : XXXX XXXX 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, 2024 Re : CFPB Complaint Number : XXXX Dear Experian, I am writing to follow up on my dispute submitted through the CFPB Complaint Portal on XXXX XXXX, 2024, regarding inaccuracies in my credit report. As of today, XXXX XXXX, 2024, I have not received a resolution to my dispute, which exceeds the XXXX time frame mandated by the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ), credit reporting agencies are required to investigate disputes and resolve them within XXXX days. Since this period has now elapsed without a final decision or correction to my credit report, you are in violation of the FCRA. Due to this delay and failure to comply with the FCRA, I have suffered punitive damages, including but not limited to : - Denied Credit Application : {$5000.00} - Increased Interest Rates on Existing Loans : {$2500.00} - Emotional Distress : {$2000.00} Total punitive damages amount to {$9500.00}. Given the lack of timely resolution, I request immediate action to delete the following disputed accounts from my report as required by law : XXXX. XXXX XXXX  XXXX - Account # XXXX XXXX. XXXX BANK - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX BANK - Account # XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX BANK XXXX - Account # XXXX I expect immediate action to rectify this matter and provide confirmation of the deletion of these accounts from my credit report at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$600.00} Keep disputing I been disputing this since  2016
Product: Credit reporting or other personal consumer reports

Good morning! After reviewing my credit report for the past year, I noticed that there's repeat cases of late payments on an account that I have always maintained timely payments on. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've always maintained my payments for the following account [ XXXX XXXX XXXX XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to provide such proof, I demand that these payments be promptly updated to their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. There are a lot of inaccuracies on my credit report that needs to be immediately removed until proven the information can be proves that it is valid. I have her attached & highlighted everything in Yellow. XXXX, Transunion XXXX XXXX are listed in the attachment. Accuracy and fairness of credit reporting should be reported & these things are not accurate. There are non mailable address being reported which are also highlighted. I have no way of receiving mail to highlighted address so this would be mail fraud 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Account name XXXX XXXX XXXX Account number XXXX I would like to add additional information to the dispute currently taking place with Experian concerning this account. 

For one, the information contained in my report states the following : Balance details Original balance {$12000.00} 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX In reality, I paid XXXX dollars/month for 36 months = {$13000.00} Plus {$2500.00} dollars down payment for a grand total {$16000.00} and not the {$12000.00} shown above. Every payment was made. I was never late contrary to whats shown in my report. The monthly record of my payments was maintained by the credit bureaus but amazingly it has not been taken in consideration in reporting the damaging information relating to this account. It seems to have just vanished in thin air. 

Obviously the terms of this lease were less than favorable but I accepted due to my circumstances at the time. Its worth nothing that the lease term for somebody with good credit would have been {$1900.00} down and {$180.00} / month for a grand total of {$8600.00} but my less than favorable terms caused me to pay almost double for this lease. 

What the report below shows is that I only paid {$4400.00} dollars or 35 % of the loan, which is a complete falsehood and goes to show gross negligence on the part of the bureau. It is their duty to make sure that their reporting is accurate and correct and when challenged it is also their duty to investigate thoroughly and review the accuracy of the information regarding the item disputed. What has happened instead, is every time I contacted the bureau about this item, they right away proceeded to re-age the balance reported causing great damage and harm to my credit score. Their investigation was neither thorough nor complete and does not conform to fair credit reporting act. 

The Fair Credit Reporting Act requires credit bureaus to correct or delete any information that can't be verified or that is incorrect or incomplete. 


Account info : The following is the report taken from the bureau. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8000.00} written off. 
{$8000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$12000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Balance details 36 % paid off Balance {$8000.00} Balance updated XX/XX/XXXX Original balance {$12000.00}
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 XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX FL XXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 1

5 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.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UD DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed Officer 7754 ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Debt collection

MediCredit was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with MediCredit. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX, XXXX, within the 30 day period of notification. 

MediCredit did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from XXXX dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to XXXX, but the debt should have already been considered void.
Product: Credit reporting or other personal consumer reports

False late payments Improper use of credit file Unknown account dont recognize Credit bureaus misleading banking institution regarding my account usage or status. 

Files removed for credit due to data breach in informed info mis reporting or usage
Product: Student loan

The loan has been here since 1996. I have made payment and made arrangement in the pass XXXX. The loan was sold to Navient loan company. The new balance is XXXX the loan was only XXXX. I was told I can get debt forbearance to remove the loan entirety. The company has been in lawsuits and other fraudulent behaviors. I asking for loan to be look at and see if I owe the amount in question. I getting phone calls from 10 different numbers a week. Need you help on this delicate matter.
Product: Credit card or prepaid card

I am Amazon customer. Through my Amazon platform, I was offered a Amazon Prime Credit Line. I am already a Prime Member and thought this was a adjunct or add-on service. Without thinking too much, I believe I agreed to the offering, although I am unsure of even that. I thought it was an offering through my Amazon Prime Account.

Unknown to me at the time, a regular credit card was issued by Chase/JP Morgan. I also later noticed that my Default Payment method was changed to Chase. I purchased a few things and unknown to me, they were charged to the Chase Account. I returned the items and got a communication from Amazon asking to provide me an " immediate '' refund in the form of a gift card and I agreed.

I later noticed a communication in regular US Mail ( not via the internet ) with a credit card statement from Chase. The minimum payment of {$35.00} was more than 30-days late. I immediately contacted Chase and let them know I was not aware of the credit card and I immediately paid off the ENTIRE balance. The person on the phone waived all late charges. 

If this late payment report is not withdrawn, I plan to either file a small claims complaint or demand resolution via an arbitration through JAMS. I worked so hard to have a XXXX credit rating that this issue is so disappointing it almost makes my cry. I plead with Chase to do the right thing. I am not asking for any money. 

I had a credit score at the time of about XXXX. I was concerned and the person at Chase assured me that this late payment would not be reported to the Credit Agencies. I told he person that all communications with Amazon to go through my online account and not via US mail from Chase. 

I was relieved until I got my credit report the next month. My credit score dropped XXXX  points to something like XXXX. I called Chase more than once to complain and even talked to a supervisor. They would not file a report with the credit agencies withdrawing the late payment report. 

I contend Chase breached their promise to correct the reporting. I also contend that the card was fraudulently issue via misleading advertising. I was advertised as an Amazon card. I never activated the card which is usually required with bank cards. I never expected Chase to send any statements, much less statements via US mail.

I have never had a late payment in the last 7 years. I want to buy a house and this will have a huge impact on my financing options. My alleged failure to pay on time is the direct result of Chase 's misleading and fraudulent advertising. 

I would like Chase to correct the misleading late payment report.
Product: Bank account or service

Compass bank opened credit cards for both my husband and I without our consent when we opened a checking account at the bank back in 2006. We closed our acoount there after that happened bc it was so shady. Y
Product: Credit reporting or other personal consumer reports

The company reported information to my report. The information reported is incorrect.
Product: Checking or savings account

I had around XXXX dollars in my checking account and suddenly I received an email from XXXX saying that my account security was at risk and I that my account access would be limited. They also indicated that I should review my transactions to see if there is any discrepancies. When I went to login I was suddenly told that a request to close my account was processing. I NEVER requested an account closure and I immediately emailed as well as called. They provided XXXX details on how to access my account as well as my funds and instead sent a generic message giving the steps to close an account ( I didnt request this ). When I called I was unable to reach a live agent and their AI system kept hanging up on me. They stole my money and I have provided multiple forms of identification yet have not received my funds or a reinstatement.
Product: Debt collection

Never served me with a summons claim I would not sign, got several judgements because they did this many times and it went from a few XXXX to XXXX on a lie, has been investigated by XXXX  and found they were fraudulent and untrue, close their case, but Midland LLC will not stop and keep on with the and over 1000 of robocalls, I know because I know the robo caller
Product: Credit reporting, credit repair services, or other personal consumer reports

Two inquiries from XXXX, XXXX XXXX and XXXX, showed up on my Equifax credit report on XX/XX/XXXX18 and XX/XX/XXXX18, I have not requested credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion both are reporting inquiries to my credit report that are not mined. I am a victim of identity theft and I've sent a copy of the police report to XXXX   by fax and received a confirmation that it went through, they're claiming they have not received it. Transunion provided me a fax number that the confirmation confirmed was a poor line and was not successfully submitted, they advised me to mail in a copy, but at this point I dont have the time as I am going through escrow, I've worked with them to remove all inquiries that do not belong to me and to no avail. both have provided me confirmation numbers XXXX # XXXX Transunion # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/year> To whom it may concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts ( XXXX XXXX XXXXXXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

Thank you, XXXX XXXX
Product: Debt collection

I recently found out that I was a victim of Identity theft. Someone used my personal information to open a loan with XXXX XXXX XXXX about 15 years ago. The current balance is {$11000.00}. I believe this creditor is located in the State of Ohio, where I never have lived. I have been a California resident for my whole life. In addition, I have never received any type of communication regarding this matter. I was never served or receive any summons from the court. I never had a chance to go to the court and defense myself on this case. 

I already filed an ID Theft report and a Police report on this matter. All the required documents were sent to Winn Law Group, current collector, I believe. According to the Fair Credit Report Act, Winn Law Group is supposed to stop all collection activities and dismiss the judgement resulting from ID theft. However, we did not come to an agreement on this matter. Therefore, I'm asking the Consumer Financial Protection Bureau to promptly take action on this serious matter. I'm willing to provide all the proof for this fraudulent case.