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

My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. Two inquires ( listed below ) were placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries dated XXXX XXXX, XXXX. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquires are still on my consumer report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this diclouser to opt-out, and I am demanding Experian remove the above inquires from my consumer report, IMMEDIATELY.

Attachments : the cover letter FTC report Screenshot of inquiries on my consumer report Green receipt from Experian copy of utility bill I suggest Experian remove these inquiries from my consumer report before I take legal action.
Product: Credit reporting or other personal consumer reports

I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft. I found a fraudulent closed account on my credit report that was not open by me. This was been hurting me as I am trying to buy a family home. Please remove the fraudulent closed account from my credit report as soonest possible. XXXX Account number XXXX. Date opened XX/XX/XXXX. Balance {$160.00}. And fraudulent closed collection account XXXX XXXX : Original creditor XXXX XXXX XXXX, Date opened XX/XX/XXXX, Balance {$2400.00}. Also I am attaching a copy of my driver license, copy of social security card, copy of utility bill and copy of identity theft report. THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian a few weeks ago that a collection item was added to my report but when I try to file a dispute online I receive a response telling me that I must call them ( Experian ) to dispute but when I call them, no one answers. Every number they provide is automated and no one ever picks up the call which is very frustrating and Im being denied credit because of the error on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a notification from XXXX  XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX  and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called XXXX  and Trans union and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. XXXX   and Transunion claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date Trans union and XXXX  have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and Trans union and XXXX  never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.
Product: Prepaid card

I received a gift card at XXXX for {$500.00}. Whenever I try to use it it errors out
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They reported that lost funds could not be recovered.
Product: Debt collection

This creditor previously reported this debt on my credit file. I disputed the debt, but they were unable to verify it with the credit bureaus and failed to provide me with documents validating the debt, leading to its removal from my credit files. Now, almost two years later, they are attempting to collect once again. This time, I did not receive any notification or communication regarding this debt from either the original creditor or the debt collector before its reporting to the credit bureaus, as required by law. Consequently, this debt collector has violated my rights and the law by failing to notify me of the debt, send me a debt validation letter, inform me of their intent to collect the debt, or notify me of my right to validate or dispute the debt before reporting to the credit bureaus.
Product: Mortgage

1. Recently I tried to ascertain the payoff balance of my mortgage. I requested both the amount needed if I refinanced or just paid off the loan. ( the possibility of sale of property was not included nor needed ). And I requested a copy of what they say my mortgage says.

2. They contacted an appraiser who never came and stated that my mortgage payoff balance would include any growth in value just as if I were selling it. No where on my mortgage does it indicate that.

3. There have been several attempts by myself through the CFPB to resolve the issues with the principal balance and they have still not been resolved. 
- The company did a review and did show credits reversing many ( but not all ) of the illegal fees I had been assessed during the life of the mortgage. Those fees should go back to approximately XXXX when I paid extra to the principal and it was misapplied and showed me in arears. Also, I tried to work on a payment plan to catch up the payment they said was late and that extra money just disappeared. 
Where the company did show that it was reversing those charges, the actual credits did not show up anywhere on the account. They did not lower the principal balance nor do they show up crediting any other portion of the account.

-There are 4 mentions of Share Waive Adjustments. At the time those started showing the principal balance was listed as XXXX. 
The only one to actual credit to the account was the XXXX. 
There is another listing of XXXX right after that but does nothing to the balance. 
There are three ( 3 ) more listed on XX/XX/XXXX, XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX that show they are supposed to be credited to the account principal but are not. 
The information provided to me for tax purposes and on the mortgage are twice the amount of XXXX. 
4. When they have made corrections to the account they do not go back and readjust the principal and interest calculations. They are still charging me interest on a higher amount than I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account that I don't recognize or haven't conducted any business with them reporting a collection report on my credit report this goes against the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history Experian show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax due to their continuous failure to respond to my credit report disputes. I have submitted disputes to Equifax on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023, and to date, I have not received any response from Equifax regarding these disputes. 

These disputes were submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Equifax, must investigate and respond to consumer disputes within XXXX days of receiving them. Equifax 's failure to comply with this requirement is a violation of the FCRA and infringes upon my consumer rights.
Product: Credit reporting or other personal consumer reports

SECOND REQUEST PAST 30 DAYS NOW. IMMEDIATE DELETION AND UPDATE TO CREDIT REPORT.
Product: Credit card or prepaid card

XX/XX/2021 did a transfer for XXXX tried to stop the transfer that day but was told I had to call back in 3 days in order for the transfer to be canceled and then I was told that they couldnt do nothing but a reversal and still was denied my money back after submitting numerous amounts of calls
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to provide me under 15 USC 1602g who authorized the use and permissible purposes as the original creditor to use my information to report this negative account under my name? Otherwise the account reporting needs to be block and deleted from all credit reporting agencies immediately.
Product: Credit card or prepaid card

In XX/XX/2019, I was double-charged {$110.00} for the annual renewal for my XXXX XXXX XXXX. I filed a " Disputed Charge '' with Bank of America ( my credit card provider ), but they refused to refund the {$110.00} to me. In addition to that, BOA added a {$25.00} " Service Fee '', and because I refuse to pay this negligent charge, they have added {$25.00} to my credit card bill every month. I received a letter from a XXXX XXXX from BOA ( her number is XXXX x XXXX ) telling me that she will review the matter. I have tried calling her at BOA to resolve this, but she does not answer her phone, nor did she return my many voice messages. It is obvious that BOA has no real desire to handle this issue, nor do they have any real concern for customer service. I have tried to get the XXXX  involved, but their authority is very limited. Therefore, I am seeking assistance from you in the hopes that BOA will respond in an ethical manner.
Product: Student loan

I have been paying student loans for the past 10+ years and have worked in non-profit/government positions throughout, qualifying me for public service loan forgiveness. My student loans have been bounced around multiple times throughout the past 10 years to various servicers. I applied for a consolidation of loans in XX/XX/2022 after my Direct loans had been transferred to MOHELA, and it took until XX/XX/2022 for it to process, which is an excessively long time. I take part in a forum where many people discussed the process taking about a month or two at most. Every process with MOHELA takes an extremely long time, longer than any other company I have ever dealt with. They are reporting that they need 90 BUSINESS days to process a form verifying employment. This process would take a few weeks with my prior servicer. I have also been told after following up regarding getting updated payment counts on my PSLF tracker that they need 90 business days to obtain past payment history for my consolidation loan. I have waited since XX/XX/2022 with no result, but I believe that 90 business days is unreasonable and unacceptable. I am currently eligible for loan forgiveness but I am stuck in a waiting hold. And then from my understanding, it will take an ADDITIONAL 90 business days once they verify I am eligible, for the forgiveness to actually be processed. This time frame is absolutely unacceptable and is holding me up financially as my loans remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter I received from XXXX XXXX in regards to a XXXX  breach and my personal information being compromised by the XXXX  breach. The following hard inquiries currently listed and showing on my XXXX and Equifax credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV Funding LLC for the following accounts ACCOUNT - XXXX {$1200.00} Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$1200.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$1200.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< ACCOUNT XXXX {$1100.00} Account Information Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$1100.00} Original Creditor XXXX XXXX XXXX Past Due {$1100.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< ACCOUNT XXXX Account Information Address C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Date Updated XX/XX/XXXX Payment Received XXXX High Balance {$2400.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$2400.00} Pay Status >Collection< Action from myselft : I attempted to dispute this but they denied my dispute and said that it was accurate which is FALSE. I DID NOT OPEN THIS ACCOUNT Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about misleading accounts i see on my credit report. They still have not fixed these issues.
Product: Checking or savings account

My account was hacked I gave them identity materials to prove my identity and I have not gotten anywhere with them my account was hacked on the XXXX XXXX and several charges have been made I am completely logged out of the account they changed my phone number and my password to the account and also took money from my sons account that is linked I use the online banking app current. XXXX XXXX is my name on account my id is in my married name XXXX I am divorced and I do have my divorce attached with my maiden name and married name I can also provide birth certificate
Product: Credit reporting or other personal consumer reports

Complaint Regarding Prior Investigation and Unresolved Error on Credit Report Request for Monetary Relief CFPB Complaint Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to address the unresolved issue from my previous investigation ( CFPB Complaint Number : XXXX ) regarding inaccurate information reported by Experian. Despite multiple attempts to resolve this matter, Experian has failed to provide sufficient proof of the debt reported by XXXX XXXX. In their most recent response, Experian claimed that they had verified the debt, but they did not provide any supporting documentation or evidence to substantiate the claim. This is now my third request for the required proof. 

Experian 's response was merely a statement of verification, yet they have failed to supply any adequate documentation showing that I am responsible for this alleged debt, nor have they provided proof of my authorization, as required under 15 U.S.C. 1692 ( e ) and ( f ). This is the third time I have requested this information, and once again, Experian has not complied. 

Furthermore, the reported debt and the associated late payment entries are not only inaccurate, but also violate the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which prohibits the reporting of late payments that are not valid. The erroneous account is causing significant harm to my credit profile, and the illegal late payment entries are unlawful. 

I am requesting that Experian provide clear and verifiable proof of the debt under 15 U.S.C. 1692 et seq., as required by law. Specifically, I am requesting the following actions : Immediate removal of the XXXX XXXX debt from my credit report. 
Immediate correction of the record to remove any reported late payments associated with this invalid debt.

Adequate evidence of my authorization for the debt, as required under 15 U.S.C. 1692 ( e ) and ( f ).

Monetary compensation for the financial stress and harm caused by this erroneous reporting, including potential damages for Experians willful non-compliance. 
As noted in my previous complaints, this notice is a formal dispute of the validity of the alleged debt and an attempt to correct your records. Any further information provided by Experian will be considered as evidence in this matter. I am also placing Experian on notice that any continued failure to comply will be noted and could be used in small claims court if necessary. 

Please consider this formal request for resolution and take immediate corrective action to ensure compliance with the applicable laws. I expect prompt resolution and will not accept further non-compliance from Experian. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX  XXXX Act. # XXXX   XXXX/XXXX  Act. # XXXX XXXX  Act. # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX  | ( XXXX  ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX  Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in XXXX on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my MicroBilt consumer credit report sent to me via mail.
Product: Credit reporting or other personal consumer reports

Hello, There was a negative item listed on all my credit reports under the " XXXX XXXX XXXX '' for the XXXX Collections account. 
I was sent a 1099-C Debt Cancellation from XXXX for the outstanding amounts. 
Please see attached. 

In essence, since I was sent this by the XXXX, this Collections amount is no longer applicable as XXXX already claimed the amount as loss and sent it to me as an income and debt cancellation also. 
Therefore, this is a violation of collecting on debt that is no longer active. 
Also, the statute of limitations has expired/lapsed as well for XXXX XXXX. 

This negative item needs to be removed from all credit reports immediately. 

Also, there are some inquiries that are still showing on the report that should have been removed several months ago.