23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX from Experian special services has not contacted me regarding my dispute. Per section 1681i a consumer has a right to access and contact the credit reporting agency to file a dispute. XXXX XXXX has not investigated the items in dispute and has not coded the accounts listed as XXXX 'Item disputed by consumer '. The FCRA clearly states " ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information " If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. 
XXXX XXXX spoke with XXXX XXXX in regard to XXXX XXXX. He never initiates a dispute or initiates an investigation on this item. The XXXX items are known to be reported incorrect. Rather, he says he does than sends a updated copy of XXXX XXXX credit file with a comment 'Please contact the creditor ' at ... XXXX and no updates for the XXXX accounts with results of the investigation or verification of pertinant account related facts. 

This is not an complete accounting or investigation of the disputes items. The XXXX accounts are listed as individual and they were orginally joint accounts. In addition there is multiple errors and misrepresenations that XXXX alleges to be correct and are clearly not. Consumer disagrees with Experian customer service. Consumer knows the law, has the bona fide credentials, he is trained in the law by attorneys, he has work in a city court, and reads adminstrative and procedural law. XXXX XXXX holds XXXX XXXX and a XXXX training. 

If the creditors can not certify the accuracy of the information Experian must remove the accounts no conditions. If Experian was provided certification from the creditors then a copy of such should be remitted for creditor examination and a request for judicial intervention ( RJI ) will be filed in federal court for civil proceeding for FCRA violations. 

The consumer XXXX is the only one who can provide an affidavit to the facts of the accounts not the creditors who communicate misleading and false information via XXXX or other telecommunication or ( digital device ) to Experian.
Product: Debt collection

On XXXX/XXXX/XXXX, I was contacted by Cavalry regarding an old XXXX XXXX credit card. It is past the statute of limitations for collections. They contacted me at a phone number that I never gave to them nor authorized that they could use. They said that they could n't sue me but even though I said it was past the statute, the representative argued with me and said that they would still report this account to the credit bureaus. I have attempted to have Cavalry remove this account from my credit reports as it is past the statute of limitations but they refuse.
Product: Debt collection

I told them it was against the law to debt collect and they said it was not
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : XXXX. Name The report incorrectly lists an alternate name that I do not use : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX. I have a reliacard through US Bank. I was never able to activate the card because the bank requested that I send in proof of my identity. I've done that with confirmation on my end as well as US bank 's representatives. This has been going on for one month 's time that I haven't had any access to MY money. When I call they say they don't have an answer as to why my card is still in restriction status. I need help contacting this establishment
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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

I was approved for a loan by Avant for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have Avant correct the payments as well as dispute the erroneous information with the 3 credit bureaus. Avant has not made any attempts to correct this and " validated '' the late payments although they were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my Equifax credit report ( XX/XX/18 ) and it has dropped considerably and does not show my mortgage accounts through XXXX XXXX, which are paid as agreed. 
I have previously attempted to request corrections from Equifax and Equifax has been completely uncooperative, requiring me to send them documentation of the error by mail in violation of guidelines which has required me to file a complaint. For this reason I am filing a complaint to get the work started.
Product: Credit reporting or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

myself and discover credit services had an agreement that I would pay {$76.00} a month till my account was paid down. This amount was automatically withdrawn from my account each month excluding one error on Discover Banks side. I cancelled two payments with Discover for the {$76.00} because the amount had already been paid prior to the due date this last month/ end of XXXX. Early XXXX I paid off my account. I then go to check my account and I see that my statement this month I have {$76.00} in fees. I was charged a late payment fee and a returned check fee for a cancelled payment. that was never supposed to post. Both confusing to me I contacted Discover and they list no explanation. The worst part of this is I spoke with Discover last week when making payments and they told me I would have no issues. Now I get a {$37.00} fee for not making my full minimum due even though I paid above the agreed amount. In fact I was less than {$25.00} short of the minimum payment and no one ever mentioned I needed to pay the final amount or I would be charged a fee. In fact I stayed on the phone for an extended span of time so I would n't be charged a fee.
Product: Mortgage

Prior to closing our loan- they closed our application on accident due to an error on their end. Due to that, information surfaced due to hard credit pull to try and reopen an application. Due to these errors made on rocket mortgages end, we were left with some financial damages and interest rates being changed.

After closing- We have a mortgage loan for {$450000.00}.

We are in a buy-down program which brings our interest rate down to 3.375 % the first year, 4.375 % the second year. and 5.375 % the third and lifetime of the loan from the third year on.

According to Payment schedule signed from all parties. The P & I for the first year at the 3.375 % rate should be {$2000.00}.

For the first three payments we have been paying {$2800.00} due being charged at a 5.375 % rate.
Product: Vehicle loan or lease

I purchased my vehicle on XX/XX/XXXX from XXXX XXXX XXXX, but they did not have the correct loan amount or interest rate recorded. I contacted the dealership on XX/XX/XXXX and they re-did the paperwork and I re-signed it. The loan did not fund until XX/XX/XXXX! So the dealership did not follow through with the finance company to make sure the information was corrected and my loan is still recorded at the wrong sales price and interest rate. This is a Breach of Contract,  violation to TILA, Regulation Z and who know what else. I called Capital One on several occasions an they stated that they needed additional information from the dealership. I contacted the dealership and spoke to the business manager who finalize my loan to advise and he stated that he had called and taken care of the issue. 5 days later I again checked on the loan to make sure it had been corrected and it had not. 45 days after my purchase and when my first payment was due, still not corrected. 75 days as of today and still no resolution and I need to pursue litigation at this point because they have violated several regulations and need to be investigated. I tried numerous times and to this point but this has to be mitigated immediately and I need restitution!
Product: Credit card

Synchrony Bank levied a {$XXXX} late fee, although my account was paid on time. They agreed to " waive '' the fee ; however, they insisted I pay the total amount {$XXXX} due ( which included the waived fee ) now and wait for a {$XXXX} credit next month. 

Synchrony bank 's phone is XXXX. It is affiliated with XXXX XXXX XXXX ( acct # XXXX ) & XXXX 's phone is XXXX. 

MY NEW PHONE IS : XXXX, not the number listed. 

My printer & scanner do not work. Let me know if you need copies of the XXXX 's statements for XXXX and XXXX and I will try to get to XXXX for scanning service. I am currently without a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY EXPERIAN, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 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 an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Going back well over a year with XXXX XXXX  credit card through XXXX XXXX XXXX someone ordered someone opened up numerous accounts and tried to pay my card off I've been trying literally for over a year without a card with multiple accounts open and someone trying to pay on it that certainly Bank I'm XXXX won't do anything I want this I want it resolve I even have a case number here that I that they keep giving me XXXX they keep giving me the same complaint number in case number what I want is you know my card back and all the charges taken off so I can start over or or {$20000.00} because this is this right here has caused me not to get a car loan and not to be able to move on with my life with with my house and mortgage and so forth
Product: Credit card or prepaid card

I have two late payments on my American Express Credit Card account for the following dates : - XX/XX/2017 - XX/XX/2017 At the time of these late payments in 2017, I was in the process of deploying to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my XXXX XXXX with this letter for reference.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. Specifically : Incorrect Address : My current address is listed incorrectly. Please update my address to reflect the correct information, as detailed above. 

Fraudulent Accounts : The following accounts are fraudulent and were not authorized by me : Eastern Account System Kickoff Lending These accounts are erroneous, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). I demand an immediate investigation into these accounts, and I request their removal from my credit profile without delay. 

Furthermore, I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which documents that my personal information was compromised in a data breach. This breach has resulted in unauthorized activity on my credit file, including the accounts listed above. 

In accordance with the FCRA, I expect : Confirmation that these accounts have been removed. 

A corrected copy of my credit report reflecting these changes. 

A detailed explanation of the steps taken to resolve my dispute. 

Please note that the inclusion of these accounts causes undue harm to my credit profile and financial standing. Their continued reporting constitutes a violation of federal laws, and I expect Experian to act swiftly to rectify this situation. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please contact me at my email Sincerely,
Product: Prepaid card

On XX/XX/2024 I, XXXX XXXX authorized a transaction of {$83.00} for a 1 night hotel stay at the XXXX XXXX XXXX through a 3rd party vendor, XXXX. Upon arrival at the front desk I also authorized a {$100.00} deposit on the XXXX as well, using my prepaid PLS XXXX card. 
On XX/XX/2024 I checked out of my room and ended my stay. 
It is now XX/XX/2024 and my {$100.00} deposit has yet been released from PLS after I have complained numerous times in a month 1/2. EVERY single customer service rep that I spoke with was no help at all, blamed the system and didnt care. Ive asked to speak with a manager or supervisor on many of these calls only to be told that they werent there, they wont help, or like this morning they transferred me to XXXX who portrayed herself as a manager until I asked. She hesitated and said she was the Lead. She was no help to me after reading the policy to her and even threatened to disconnect me. 
PLS has 7 days to release my funds back to me and only if I authorized a transaction and fail to maker a purchase they can hold my funds do 60 days. 
UNBELIEVABLE!!!! Everything was payed for, XXXXXXXX XXXX XXXX released my {$100.00} to PLS and now they are illegally holding my money. 
I explained to them that I have 2 small children at home, was just laid off from my job and have no income. They dont care!!!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been opened or made in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on a fraudulent check, against me, 5 years after the fact. 

They sent a collections account to " written off '' status without ever sending me notice of the alledged debt or making any attempt to collect on it. I filed a complaint to the NM Attorney General 's Office and they are in AGREEMENT with me that this debt did not go through a legal debt-collections process and it should never have been written off. 

I notified XXXX XXXX XXXX that they were trying to collect on a fraudulent check, on an account that was supposed to already have been closed, and they refused to accept any fraud report or do any investigation about why this account was sent to " written off '' status without ANY ATTEMPT to notify me of the alledged debt, or to collect on it in any way. 

I filed a police report to XXXX Police Department, claiming fraud, over this specific charge. XXXX XXXX is made no attempt to notify me that they were trying to collect on a fraudulent charge against me, on an account that was already closed. This is an illegal collections practise and I have the NM State Attorney General 's office on my side in this matter.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 8 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

CBS J Financial Corp Has been reporting XXXX bill since XX/XX/XXXX on my credit report and this bill was to be paid by XXXX hardship program and I tried to contact CBS J Financial Corporation Regarding this matter and I have not heard from them and also this is a violation of the HIPA A Because my information was forwarded to the collection agency and the collection agency has put it on my credit file for the past 6 years I am requesting this account be deleted from my credit file since the statute of limitation time has passed and instead of removing it XX/XX/XXXX please remove it right now thank you very much
Product: Debt collection

I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for XXXX XXXX. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Review the attached documents. I request the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, despite my punctuality.
Product: Debt collection

Got a letter in the mail from nationwide credit inc. saying I owe and they are collecting for XXXX XXXX I called and reported a fraud claim because I never bought anything from the company they are claiming the debt came from. I called again because who ever opened this account used my maiden name and when I tried to get in the account online with the information on the paper I got in the mail I had to use my last XXXX numbers of my social and when I put them in it didnt recognize them. So I called XXXX XXXX and they passed me around and couldnt even find an account. Then said they found my account but none of the information matched the paper from the debt collector. So an hour of no one telling me anything or helping me they hung up on me. Now I am writing to you.