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

I contacted XXXX XXXX  to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the XXXX, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the XXXX, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with Experian and they reported back that the company verified with them the debt is valid. However, Experian 's representative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to Experian their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, Experian refused to removed the debt.
Product: Checking or savings account

When attempting to transfer money OUT on XX/XX/2020 and again on XX/XX/2020, from my savings account with Marcus by Goldman Sachs, the bank 's system said there was an error and to try again a few hours later. When I called on XXXX, after extended hold, I was told that the bank had mistakenly accepted a deposit from me FIVE MONTHS EARLIER on XX/XX/2020 from my business account. So now, I could not transfer any money out, until they returned those funds back to my business account. They said the transfer would take 1 to 3 business days. I asked if they could provide me some written confirmation that they were initiating the process today, e.g. an email, a text, a letter, etc., so that I would have OBJECTIVE evidence that they said they were initiating the process, should it not come to fruition. They gave me a confirmation number, but said they could not email or mail or provide me any documentation to prove that they made these representations today. I am concerned that this is a problem they contend existed for 5 months, that they never advised me of, and have now frozen all my assets with them, while they contend they are finally doing something about it, but refuse to provide me any confirmation that they are in fact taking action.
Product: Debt collection

XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me
Product: Credit reporting or other personal consumer reports

Sent letters to correct and delete on XXXX XXXX and things was not deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX  and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  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 reporting, credit repair services, or other personal consumer reports

Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX XXXX lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.
Product: Money transfer, virtual currency, or money service

Using XXXX and can't get money back. Or no confirmation of payments. I've seent over the years..
Product: Mortgage

I was awarded a grant for mortgage assistance they would pay my mortgage and utilities for 6 months. During that time I didn't make any payments to my mortgage because I was getting ahead on other bills and improvement to my home during the hurricane. The government grant HAF send paper check to the mortgage company on behalf of the recipient my self XXXX XXXX I have received two late payment reporting to my credit report when I have never been late. The taxes and insurance have increased in my house i spoke to an agent at freedom mortgage that advise me that they can " split the taxes and insurance overpayment in over 24 months they are not allocating the funds to escrow because every time i call every other agent advise me the same thing but falsely reporting that i am late when i am not I have all documentation to provide in regard to this case They are also falsely charging me a late fee when i paid before the due date
Product: Mortgage

We closed our purchase with this company in XXXX, and since then, we have received a myriad of spam/nuisance emails from this company. I have used the 'unsubscribe ' feature 5 or more times, and each time the system says that I've been removed from their marketing database. However I continue to receive nuisance emails. I also opted out of marketing emails during my loan signing, however this company persists in sending their marketing messages.
Product: Checking or savings account

Received a text from XXXX that someone opened an Account with XXXX XXXX  and TD bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help over a few issues on my credit file. My name is XXXX XXXX is have a few late payments that happened during the COVID SHUTDOWN. One was with my mortgage XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. I was not working and I had requested a deferment of my mortgage payment. The dates were XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving buy a new property. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations. I would like the late payment removed. 
I also have a unverified account from XXXX XXXX XXXX XXXX # XXXX. I never had any contracts or dealings with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally request the removal of incorrect addresses that are currently listed on my credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address XXXX : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX correct and current address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that Experian promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

As part of the negotiations with Paypal under complaints XXXX, XXXX, and XXXX I talked on the phone with XXXX XXXX XXXX, Operations Counsel of Paypal, and he promised me that my Paypal account " XXXXXXXXXXXX '' will be removed the limitations to oprate and allowed to be used normally. However, as of today, Paypal has not yet respected the pledge by XXXX XXXX XXXX. 
In the meanwhile, there were some email exchanges with some XXXX counterparts ( XXXX XXXX, Case Reference : XXXX ) that only put obstacles and tried to ignore the word by XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX ENHANCED RECOVERY CO  XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Upon a recent detailed review of my credit report, I experienced significant distress due to discovering numerous items that are unverifiable, invalidated, inaccurate, and highly questionable. Your agency has clearly failed to ensure the accuracy of the information reported. 

In strict accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these legal requirements due to their inaccuracies. I demand immediate correction or removal of these erroneous entries. 

Attached are copies of all relevant correspondence for your reference. I expect prompt action to rectify this matter.
Product: Credit reporting or other personal consumer reports

I have demanded that Experian remove these accounts from my credit report. That I did not give permission to be there.
Product: Credit card or prepaid card

XX/XX/XXXX( {$45.00}, {$65.00}, {$45.00} )XX/XX/XXXX ( {$28.00} ) Capital one credit card I closed this credit card account back on XX/XX/XXXX because I filled a dispute against XXXX Airlines as they canceled my trip due to covid-19 travel restrictions, I filed a dispute and the basic cost of my Airline ticket has been credited back to my account, Capital one proceeded these charges ( onXX/XX/XXXX ) without investigation as well as they never sent me a mail letter to inform me, I found an email from them on XX/XX/XXXX showing that I have nonsense charges ( since I already got the dispute amount in full and this amount was an airline ticket plus extra seat fees ) Capital one charged me {$28.00} on the top of that as a past due charge, they just want me to pay moneyfor nothing.
Product: Mortgage

In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Debt collection

This account was original with XXXX XXXX XXXX and they was sold to another company. I have paid this account with the collection agency. I have called and let them know so far nothing has been done.
Product: Debt collection

The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged off the account. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor is a violation of my protected rights under the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on far too long so I need your help. They have been wasting my time by just ignoring my request sent on XXXX by certified mail***** XXXX on XX/XX/2020. I called several times XX/XX/2020 ( twice ) XX/XX/XXXX ( twice ) and but was only being disconnected in the middle of a solution and told it would be taken care of but nothing being done but total disregard. There have been student loans Accounts DATE OF LAST ACTIVITY HAVE BEEN RE-AGED HOW CAN THIS BE POSSIBLE AS SUCH AFFECTING WHEN THESE ACCOUNTS NATURALLY WOULD FALL OFF MY REPORT. The DATES, MONTHS, YEARS can not be different ON credit bureaus as you are getting data from the same source I am seeing different Date of Last Account Activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on my credit report not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Checking or savings account

I talk to My Bank, XXXX XXXX 2024 and to day is past XXXX XXXX 2024 there I sent, all documeants requesteeded to My bank. Phone comunication several did not get a customer response to get the, things needed for the result of a dispute. All, the time of the conversation told me to do this an, I did it. 

My dispute result was on, thurs. past and My bank did not get to eleivieate, the problem occuring. 
After talking. To them, several proceeses an did not get an answer for why? The account suspendeeded be cause of the descrepeant errores occuring. I continue to get different answeres. Every. 

Time, I call to and other Phone no. 's Bank An Dividuele many. 

Give, Me The wrong. Answer. There an, be fore happen to occur. XXXXXXXX XXXX  did not give, an account no. cause, this bank said there XXXXXXXX XXXX is an other bank.
Product: Checking or savings account

I was supposed to received my direct deposit Thursday morning from Capital One. As of me submitting this it has been over 48 hours and still not a XXXX  in sight. Capital One customer service are being very ignorant and inconsiderate of the situation. They are not answering the phone and when they do answer they have an attitude and might hang up on U.
Product: Credit reporting

I have XXXX derogatory payment status ' on my credit report from XXXX student loan. XXXX broke the student loans into XXXX groups and gave them over to XXXX XXXX and XXXX XXXX XXXX. I have since paid off both the XXXX XXXX AKA " XXXX '' and XXXX XXXX. Those loans showed PAID but the original loans from XXXX are still showing on my credit report as Negative. 
It is my understanding that once a loan is sold to another company, the original loan can not remain on your credit. Basically, I 'm getting dinged twice on the same debt. Meanwhile when I call XXXX, they tell me they have no loans assigned to me as they 've been " sold ''. I contacted Experian after filling a dispute online only to have the dispute come back and say that due to my privacy settings, I ca n't file the dispute " online. '' What?! Now I have to order one of their credit reports for {$20.00} just to have a copy to send in. It 's insane. 
I was denied an auto loan because my credit had too many non payments on it. However, XXXX of the derogatory " non-payments @ are from XXXX. 
It sounds as though Experian dropped the ball and needs to clear those original XXXX loans off my report. Otherwise, they are costing me over {$2500.00} on my auto loan that I'n trying to get a lower interest rate on. 
Thank you.
Product: Credit reporting or other personal consumer reports

I was looking at my Credit Report and noticed there were Hard Inquiries that are not mine.
Product: Mortgage

Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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