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

Experian has not updated my information with XXXX XXXXXX/XX/year>. By Experian own admission, my creditors have reported to them for XXXX and they have posted on their website. We are now at the end of XXXX, and they haven't updated my info. I find it odd that Experian had no problem reporting on time when my balance increased. I find it convenient that now that my balance is down to XXXX, I have to file disputes and fight with them to do the easy job of updating the information given to them. Lenders use XXXX to determine what interest rate and loan amount will be given to a consumer. 

By Experian and other credit bureaus withholding correct information this is causing financial harm! I request that Experian Update My information with XXXX and add any points that I should have received to my credit score for the months of XXXX, XXXX, and XXXX.
Product: Student loan

I do n't agree with the fees XXXX XXXX is charging to make payments for student loans. The following is copy and pasted from their site on fees for payment : -- -- -- " ONE-TIME OR RECURRING PAYMENT USING YOUR CREDIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME OR RECURRING PAYMENT USING YOUR DEBIT CARD. 
A fee of 3.95 % of your payment amount and {$1.00} for One time payment will be added. 
A fee of 3.95 % of your payment amount and {$1.00} for Recurring payment will be added. 

ONE-TIME PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
A fee of {$1.00} will be added. 

All applicable fees will be displayed after you enter your payment information. You will have the ability to review any applicable service fee before you submit your payment. 

You also have several fee-free payment options : RECURRING PAYMENT USING CHECKING OR SAVINGS ACCOUNT. 
No service fees are applicable when setting up recurring payments using your checking or savings account. 

MAIL CHECK OR MONEY ORDER. 
Make your check or money order payable to your school and mail your payment to : XXXX XXXX, Attention : XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. Be sure to include your Heartland Account in the memo section of your check or money order. 

THIRD-PARTY BILL PAYMENT SERVICE. 
You may use your banking institutions bill payment service or a third-party bill payment service. Please note that while there is no payment fee charged by XXXX XXXX, your bank or the third-party bill pay service may charge a fee to submit the payment on your behalf. '' -- -- -- Based on their fee list, the only plausible recourse for making a payment without incurring cost on the part of the borrower would be to enroll into their autopay system, as having checks printed cost money and so does postage. 

The fact that a fee is charged for a using a checking or savings account to simply make a payment is ridiculous. Never have I encountered such a fee. It is simply consumer unfriendly. 

Then, insult to injury, if the borrower is on a quarterly payment system, setting up autopay is not possible online. The borrower has to call them during their business hours and days : -- -- - " IMPORTANT MESSAGE FOR BORROWERS ON A QUARTERLY REPAYMENT SCHEDULE. 
Please note that recurring payments are drawn on a monthly basis. If you are on a quarterly repayment schedule and wish to set up recurring payments that would draw from your account on a quarterly basis, you will need to contact Customer Service at XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the XX/XX/XXXX. On Transunion, XXXX, and XXXX they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX recovery. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, thank you.
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX.24 according to XXXX  : XXXX XXXX XXXX timesXXXX XXXX and XXXX XXXX XXXX XXXX times, XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX time, XXXX XXXX XXXX XXXX time, XXXX XXXX  XXXX time. XXXX XXXX XXXX times, credit control llc XXXX time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. XXXX, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX New York XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.
Product: Credit reporting or other personal consumer reports

My credit report is showing inaccurate information that is concerning me. I am very concerned, because this is affecting my ability to get credit. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by you
Product: Debt collection

CFPB XXXX XXXX. XXXX ARS National Services just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX, after becoming over 120 days past due. This account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc ( this goes to present ). Please prove that this account was in fact able due for a payment on those dates.
Product: Credit reporting or other personal consumer reports

Filed Disputed Didn't change sent letter which can not download Please Remove All Disputed Accounts .... ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Two specified accounts that were discharged in in a chapter XXXX bankruptcy on XX/XX/XXXX are continuing to damage my credit score today. I am fully aware that a charge off and bankruptcy stay on a credit report for an X amount of time, however these specified accounts have been destructive and have been updating as NEW hits on my FICO score. The two accounts are XXXX XXXX XXXX and XXXX XXXX. XXXX went into a charge off status between dismissal of a chapter XXXX bankruptcy and filing of a chapter XXXX bankruptcy. Both accounts have been discharged in a chapter XXXX bankruptcy as of XX/XX/XXXX. Around mid XX/XX/XXXX, I noted that my FICO score had taken a significant hit. I then began my research to find that XXXX XXXX XXXX creditor was reporting on an Experian credit report as LATE with CHARGE OFF STATUS. Although discharged in chapter XXXX bankruptcy, my FICO score continues to wrongfully take continuous hits. It is unknown as to whether this is a creditor or a credit bureau reporting error to this day. The creditors assume the credit bureau is at fault and vs versa. I hired a credit repair company to help with this issue. It seemed to be resolved for a short time, but as of XX/XX/XXXX I noted a 29 point decrease in my FICO score with Experian. Upon research with Experian, the old XXXX account reported as a RED FLAG charge off status again and continues to destroy my FICO. On XX/XX/XXXX, it was reported that XXXX XXXX  's report was removed from my credit report 's public record-as it was added to public record as-Included in bankruptcy. As I have been working with XXXX XXXX XXXX to assist in this painful journey, I receive regular updates re : my FICO. On XX/XX/XXXX, XXXX XXXX 's discharged in bankruptcy was replaced and reported as new back to my credit report. Removing and re- adding negative items to a credit report is destructive. This will reflect on my next, future FICO as a new CHARGE OFF Status hit again. My FICO score should be in the mid to high 700s,  but with this constant yo-yo, wrongful reporting, I have been robbed of my credit score points and chances of moving forward in life. 
Today I spoke with XXXX in the Experian dispute department XXXX raised his voice with me and had no interest in what I had to say. I've done all that is right in filing my filing of a chapter XXXX and earning a discharge. For that is enough that I will live with the chapter XXXX and charge off on my credit for x amount of years. As a consumer, I am entitled to fair credit reporting and to have reporting errors resolved. I should no longer be suffering hard hits to my credit score from past, closed or discharged, charged off accounts. It's almost 3 years since my bankruptcy discharge and with all this disruption, my FICO score has suffered. My score has progressively declined at no further fault of mine. 
Thank you for your cooperation in the matter. I look forward to a permanent resolution. 
XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to 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 card

I paid {$980.00} for a website, logo, & web hosting on XXXX/XXXX/XXXX on my Chase Visa card. I indicated that I wanted the website online by XXXX XXXX. XXXX agreed. I made repeated requests to XXXX to see the website, even if it was unfinished. Those requests were repeatedly denied and ignored, verbally and via email. After emailing, calling and texting XXXX for a week, I decided to terminate the business relationship on XXXX/XXXX/XXXX. I did a charge back with CHASE Visa for {$980.00}. Days later, I reached a settlement with XXXX where I would pay {$360.00} for XXXX to finish the logo ( unfinished at time of termination ) and for web hosting ( completed at time of termination ). I indicated that I would not pay for a website I had never seen, despite repeated demands to see an intermediary or final website product. XXXX agreed. Months later, CHASE Visa ruled in favor of XXXX and sent the {$980.00} back to XXXX, explaining that XXXX proved work had been done on the website. XXXX and I both know that a website has never been produced or delivered to me as the paying client. I did n't pay money for XXXX to allegedly work on a project and never deliver a final product. I, the paying customer, have never seen any work that was allegedly done on the website from XXXX XXXX to XXXX XXXX. There is no signed contract for this agreement to provide services. XXXX has been unjustly enriched to my detriment and Chase facilitated this fraud by returning my funds to XXXX, who failed to deliver the agreed upon service and product.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

requested proof of the debt because they are re [ porting the debt on my credit that defaulted in ; XXXX for state assisted payments for childcare. I told them its not valid it was a long time ago and I thought it went away it had been straightened up/ I never received any documentation and they said they will continue to take any refunds or unclaimed money owed to me. 
The claim thee overpayment was they coul d not verify my quarterly tax payroll with the IL dept of Rev and was something regarding my employment was not valid because they did not withhold taxes from my check and pay the state taxes quarterly but I filed taxes so it does not make any sense. So I requested for them to validate and provide me info or if not please emove it and also disputed with credit bureau and its still on my credit.report, They said the law doesnt apply because DHS . is not held to the XXXX statute laws and can report it for the rest of my life
Product: Debt collection

I received a letter from XXXX dated XX/XX/XXXX Indicating that I had an outstanding Velocity Investments LLC debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with Velocity Investments, nor with The XXXX XXXX. 
I then received a letter from XXXX dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act SELF Account number : XXXX has violated my rights. 

15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. Keynote Consulting has a {$440.00} collection on my credit report, and they continue to report this a new late payment every single month. This was from a XXXX bill that I refused to pay because the XXXX   charged, and collected, money from my insurance company for XXXX he had to place after he inadvertently XXXX my XXXX! Further, the original " debt '' was incurred on XX/XX/XXXX, so it should actually fall off my credit report on XX/XX/XXXX. Except, they have the original debt as being XX/XX/XXXX. I presume this is the date the collection agency purchased the debt, however it is supposed to be reported using the the date that the original debt was incurred. I contacted the company back in writing, back in XX/XX/XXXX, regarding the incorrect information and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have noticed fraud account on my Credit file and Consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - - XXXX XXXX  - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX XXXX XXXX XXXX  - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual Account Terms XXXX Company sold - Original creditor - Comments COLLECTION ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

Back on XX/XX/year> my Apple Card was fraudulently charged for {$8000.00}. My phone was out of my possession for a while and in that time several charges were attempted. Some charges were caught by the credit card company but for whatever reason they allowed this particular one to go through. Ive been disputing this ever since, only for the credit card company to investigate for roughly 60 days and then deny the claim then reassert the dispute for another 60 day. It truly seems that no actual investigation is being done. {$8000.00} is crazy!!! I would never!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, Transunion, and XXXX and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Product: Credit card

I HAVE SEEN INACCURATE INFORMATION ON MY CREDIT REPORT IN REGARDS NATIONAL CREDIT SERVICES IN THE AMOUNT OF XXXX THAT IS GOING AGAINST MY CREDIT WORTHINESS.