23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The " credit reporting agency '' Experian has repeatedly recommended " credit cards '' to me. cards they are in partnership with and/or being paid to promote on their website. The card offers come via experien with the recommendation that these cards ( for example XXXX XXXX XXXX will " improve your credit score. '' I being a consumer trying to do everything I can to get my credit higher I believe experian. So I get the XXXX  credit card. But I quickly realize upon logging in to XXXX that their prices are tremendously inflated. I realize this card has extremely predatory marketing practices. Shipping rates are insanely high but if you purchase $ 200+ there is no shipping cost. Which is basically a technique used t get people in more debt. Then after not using the card I got an email stating my XXXX account would be shut down if I didn't use my account by XX/XX/2021. KNOWING that a closed credit account will make my credit bad I the consumer feel pressured to now buy something that is insanely inflated just TO KEEP THEM FROM MAKING MY CREDIT BAD by closing my account! this is the very definition of fraud of predatory techniques. So in effort to save my credit I but the cheapest thing I can a set of 6 wash clothes which state {$30.00} INSANE. Then by the time I check out it's now another {$20.00} in taxes and shipping. I am literally being forced to pay {$50.00} for six wash clothes to keep them from denting my credit score!!! How could experian suggest this card to me? When checking out they say there is an error and I should rather call their customer service to check on on the phone. I am at work during the hours they are open. I don't have time for calling customer service waiting on hold. This is the biggest scam. The fact that Experian suggested the card to me lets me know that Experian is somehow benefitting from these scrupulous card companies. How could this be legal? Oh! that's right because our politicians are in bed with the predatory credit card companies which make it legal. I understand this is a government agency and you can't really go after these companies because what they are doing is legal ( thanks to our politicians ).
Product: Checking or savings account

I filed a dispute with chime for a total of {$800.00} my chime account was linked with myXX/XX/XXXX and myXX/XX/XXXX was hacked now chime is telling me oh well I shouldnt have had my card linked to XX/XX/XXXXI sent proof that it wasnt me they ignored this plus when I asked to speak to the investigation team I was told they cant allow that I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help
Product: Credit reporting or other personal consumer reports

Over the pass almost 2 years, I have contacted Equifax about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but Equifax is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still Equifax allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to Equifax about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$150.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

I submitted via mail and a complaint with Consumer Finance that my credit score decreased from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not applied for any new credit, there are no late payments or collections. My credit activities have been consistent over the last few years. I requested research to find the root cause of my credit score decrease and resolve the issue to correct this error immediately. 

Please note, I also requested the same research with XXXX and XXXX. Both XXXX and XXXX have corrected my credit score. I also check my credit score daily online with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX However, TransUnion sent me a generic letter that said if you want your credit score it will cost you {$9.00}, ( sigh ) I tried calling TransUnion but they couldn't help me over the phone. 

This low credit score is affecting my financial state, as I'm looking for a home to retire but I can't because of TransUnion error in reporting an inaccurate credit score. They haven't even attempted to do the research.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my XXXX consumer report from a company named XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report and Experian filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint. 
XXXX XXXX outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : XXXX fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX
Product: Debt collection

I set up a payment plan with Transworld Systems which included a monthly payment amount of {$65.00}. The agreement was signed by me on XXXX/XXXX/15. The letter stated the following : On XXXX/XXXX/2015, you agreed to enter into a Loan Rehabilitation Agreement ( Agreement ) with XXXX ( XXXX ). Once your loan ( s ) is/are rehabilitated : Your loan ( s ) will be removed from default. 
Within forty-five ( 45 ) days of rehabilitation, XXXX will request all nationwide consumer reporting agencies to which the defaultwas reported to remove the record of default from your credit history, and provide notice of the rehabilitation to the prior holder. 
You will regain eligibility for remaining deferments, forbearances and other Title IV financial aid. 
An eligible lender who purchases a rehabilitated loan must establish a repayment schedule that meets the same requirementsthat are applicable to other Federal Family Education Loan ( FFEL ) Program loans of the same loan type, and must permit you tochoose any statutorily available repayment plan for that loan type. This means that if your loan ( s ) is/are rehabilitated, there is apossibility that the required monthly payment amount will increase. 

The payments were automatically debited from my account for 6 consecutive months. I contacted Transworld XX/XX/XXXX to inquire about the payments stopping XX/XX/XXXX ( when I noticed ). They could n't give me a definite answer and wanted be to restart the paperwork all over again. When I continued to insist on a more definite answere, I was told that they could not retrieve the payments from my checking account due to insufficient funds. That statement was completely false and a dishonest practice on their part. I was never contacted by the company about my payments after XX/XX/XXXX and my account has always had the funds available to make the monthly payment arrangement. To insist that I restart the paperwork all over again after only 6 months on the plan is completely unacceptable and disturbing. At the time I signed the agreement, I was told by Transworld that I would rehabilitate my loan after making 9 voluntary on time payments. I thought this was reputable company until this situation happened.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of 1974 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The Credit Collection Service Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding several erroneous late account entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. 

I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be removed from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. If you require any further documentation or information from me to conduct your investigation, please do not hesitate to contact me at the phone number or email address provided above. 

I appreciate your prompt attention to this matter and trust that you will resolve it in a fair and timely manner. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$6600.00}.
Product: Credit reporting or other personal consumer reports

I have disputed this issue XXXX, both times they were denied. I noticed unauthorized inquiries on my credit report that I would like removed immediately. I have never had an account with this merchant nor given my information for any use with this merchant Merchant Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 

On my Experian credit report, a collection agency by the name of XXXX XXXX XXXX XXXX, has placed a fraudulent {$64.00} medical collection onto my credit file. 

This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 

I do not owe this fraudulent debt, and I want it immediately removed from my credit file. 

It started with XXXX about 8 years ago, this collector, along with another collection company, placed medical debts onto my credit files for a deceased person by the name of a XXXX XXXX. 
I have never met, nor known this person, nor is this person any relation to me. 
They have also added addresses to my credit file that I have no knowledge of, nor have I ever lived at. 

They have added an address of, XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, to my credit files. 
I have never lived at this address, nor do I know anyone there. 

I want this fraudulent medical collection that is not mine, nor do I owe, as well as the fraudulent false address information immediately removed from my credit files. 

On top of damaging my credit rating with a debt that isnt mine, this collection agency is breaking Texas statute of limitations law. 

The collector claims that this debt from whomever, became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX, a XXXX medical debt, violating XXXX  law. 

As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from my credit files with all of the credit bureaus, and I want hard copy written proof that that has been done. 

Experian has to do better, they cant allow a consumers credit file to be destroyed by placing false, unverified collections on it. 


cc : Attorney Generals Office cc : The Federal Trade Commission
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXL Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : 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 or other personal consumer reports

Personal information was compromised in a data breach from Company Lexington law Credit repair
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.
Product: Checking or savings account

I closed my savings account on XX/XX/2019 By filling up a withdrawal slip writting the date and {$1000.00} and XXXX XXXX XXXX  XXXX and signed it on the spaces provided. The teller however asked me to sign another slip of paper and did not used the withdrawal slip that I gave her. Please let me know what happened to my withdrawal slip that I gave to the teller and the slip of paper that the teller asked me to sign. What is the slip of paper the teller asked me to sign? 

I did not receive a letter from the bank informing me that the account is closed. Please send me the letter informing me my savings account was closed when I withdrew the balance of the account of*** XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX. 

Thank you. 






Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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 XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX, we called BOA to request a loan modification, we did the financials. Up until this time we had been paying BOA WEEKLY payments, at the current time there was {$290.00} is our Unapplied funds. There was an {$600.00} payment in process that we could not stop. On XX/XX/XXXX, we received notice that we have been accepted and forwarded the modification info, we were required to pay Three Trial Payments on or before XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} XX/XX/2018 {$2200.00} On XX/XX/2018 we called in and spoke to a BOA Rep, who we explained that we had money in unapplied funds and we were making an additional payment of {$1300.00} when added to the {$890.00} in unapplied funds would equal the XXXX TRIAL payment. 
It was later found out that BOA did not accept that payment as of 1st trial payment! 
We were told that a few different things. 
Pay the {$890.00} again Pay the whole amount again because the payment was not made in ONE payment, we have also been told on one of the many phone calls all initiated by us, that they aren't accepting because they cant use any money that was in unapplied funds. I explained that would have been nice had someone told us that. We explained we were told that we must pay the exact amount which is we cancelled the weekly payments. 
We have spoken to REP 's from BOA that said they would take care of this for us, that they could not help us, that if we paid another payment .... all things that we cant do. We made the next payment on XX/XX/XXXX for the XX/XX/XXXX payment. BOA has now applied that towards the XX/XX/XXXX payment. As of today, XX/XX/2018 we have {$2200.00} sitting unapplied funds. We have spoken to numerous people all with the same answer ... they wont take that money and apply as a payment. 
They keep saying that if we pay before the end of the month..ie ( XX/XX/XXXX will be XX/XX/XXXX trial payment and XX/XX/XXXX will be XX/XX/XXXX trial payment and the modification will be approved ), they will take what's in unapplied funds and apply it towards the balance, we have explained that does not help us we need it a either a trial payment or XX/XX/XXXX mortgage payment, because if not they are setting us to fail, because we will starting off not being able to pay XX/XX/XXXX mortgage till the end of the month. 
We have spent numerous hours on hold, on the phone talking, or waiting for responses. 
I don't understand how a company can do this. Every way we offer a way to resolve this they deny it. I have asked to hear the phone tapes of the conversations between myself and BOA Rep 's on XX/XX/XXXX and XX/XX/XXXX when I called about the payments and I am told I can't. Most have admitted that the BOA Rep, should have told me that paying the {$1300.00} would not be added to the unapplied funds for the 1st trial payment but he didn't, so I ask how can they use that against me?
Product: Money transfer, virtual currency, or money service

On XXXX I initiated a transfer from my M1 Borrow account to my M1 High Yield Savings. On the transfer page it says this should take a few moments. On the help link documented on the transfer page, this transfer scenario is not documented. I was advised by help that this could take 2-4 business days, but this is not documented anywhere and is in conflict with the " should take a few moments '' shown to the user when submitting a transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries