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

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX/XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my XXXX  office. I was seeing a XXXX  to have XXXX  XXXX XXXX made for me. The XXXX office finally contacted me and asked me to schedule an appointment to be fit with my XXXX. Every time I had a scheduled XXXX appointment, the XXXX   office re-scheduled the appointment. I have yet to be fit with the XXXX  XXXX. The XXXX office continued to bill XXXX XXXX even though the XXXX never completed the XXXX work. I finally was able to reach the billing department at the XXXX office regarding these re-occurring payments and the XXXX office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the XXXX office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Checking or savings account

The only told me to provide prof of my incoming funds. They told me to send them my cashapp transcript. I sent to them XXXX. I never heard nothing from them. They closed my account with over XXXX $ in it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2023. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I became aware of an Experian lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, alleging that Experian conducted " sham investigations '' into consumer disputes, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  In XX/XX/XXXX, I discovered that " XXXX XXXX XXXX '' ( Account Number : XXXX ) had begun reporting a fraudulent and inaccurate account on my credit report. This account originated from " XXXX XXXX XXXX XXXX '', also known as " XXXX XXXX '', a property management company located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. The account was reported without my authorization and does not correspond to any debt I owe. 

Prior to this, on XX/XX/XXXX, in the State of Michigan XXXX XXXX XXXX of XXXX XXXX, Case Number XXXX, the court dismissed the plaintiff 's money claim against me without prejudice. Despite this dismissal, " XXXX XXXX XXXX '' continued to report the erroneous account, negatively impacting my credit score and financial stability. 

Approximately one year ago, I contacted " XXXX XXXX XXXX '' through my premium account with Experian IdentityWorks, requesting detailed information regarding this account. The communication occurred on a recorded line facilitated by Experian IdentityWorks. To date, " XXXX XXXX XXXX '' has not provided any requested documentation or explanation. 

To resolve this matter, I uploaded substantial proof along with my disputes, including legal documentation, original lease agreements, contracts, court findings, and additional evidence. As a result, XXXX XXXX XXXX removed the account from the other two credit bureaus, XXXX and XXXX. However, despite numerous disputes and submissions of all necessary evidence to Experian via their dispute platform and at experian.comXXXX, this account remains marked as " Verified '' and " Accurate '' on my Experian report. 

Experian has provided no details or rationale for supporting the reporting of this account. Their decision has caused significant harm to my credit profile and financial security, leaving me vulnerable to further fraudulent activities. This aligns with the CFPB 's allegations that Experian fails to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 

https : //www.consumerfinance.govXXXX
Product: Debt collection

Theres a collection on my credit report, the balance was paid in full by me to XXXX  office and was an insurance mistake, Im requesting this derogatory mark to be deleted asap because it wasn't my fault. I got a copy of receipt of the amount that was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on XX/XX/XXXX that a new account was opened on my credit report from Barclays Bank. 

I called the number listed and disputed it. I found out that it was a store card from XXXX in XXXX XXXX. 

I was out of the country when this occurred, so I knew it was fraud. 

Though ive disputed this, I can not get additional information from the creditor and my credit score has dropped nearly 100 points. I am desperate to have this removed as we are in the process of buying a home and now I wont be able to. 

I also need to provide information to the police. Each time I call I can not get through to the correct dept at Barclays bank and end up being disconnected. 

Please help, I am begging for some resolution. I have always taken great pride in my credit and have always managed my finances responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named XXXX XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get equifaxs results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!
Product: Mortgage

My original fixed rate loan for the past 3 years was with XXXX with no issues or problems. Mr. Cooper Mortgage took over my original loan XX/XX/2019. My transferred escrow balance from XXXX was XXXX. That transferred balance does not show up on the papers from Mr.Cooper Mortgage. Within two months after taking over my loan, they claimed my escrow was XXXX short. I paid this in full. They also changed my fix rate original contract from XXXX a month to XXXX a month. I know taxes go up, but the amount they charged my escrow seems extreme. I never had this type of extreme shortage with XXXX. XXXX from my payments goes into my escrow each month. Since Mr. Cooper Mortgage took over my mortgage, several things are not right. I have bought several homes and never had these types of issues. My payments would have jumped to XXXX if the escrow was not paid in full. Because it was paid in full, they still raised my payments to XXXX. I don't believe they can raise my payments from my contract
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.
Product: Debt collection

I have attempted to dispute a very old account with this company for a long time and I have gotten no where. I stopped payment on some checks because I finally realized I was being lied to by Portfolio as they kept making promises that if I paid they would remove this account, but then I was being told that they would sue me and my wages would be in jeopardy. I asked them not to do that and then out of fear I attempted to pay and then I contacted XXXX XXXX  and was told that this account was charged off and I was not responsible for it. When a company charges something off it is included in their taxes and they are somewhat compensated by it. By re-selling the debt they are not only compensated by the federal government but they are getting payment on top of that by having this aggressive and unfair third party company hound me by mail, voicemails and calls and endless threats. I do not owe anything and the charges which XXXX  claims I have as outstanding have been paid in full and I am not responsible. Portfolio is enjoying ruining my life and my credit and I will not stand for it anymore. Their letters contradict what they say on the phone, they are sneaky and manipulative.
Product: Consumer Loan

The lease company Mazda capital services ( through Chase ) makes you set up automatic payments from your checking bank account to pay for lease. My lease ended on XX/XX/2017, but the automatic payments continued to be withdrawn. I noticed it in XX/XX/XXXX and called Mazda capital services. They said they can not refund my payment now, they will give it back in the next 10 weeks! I am without my money for 10 weeks, and feel they were taken fraudulently from me, as the lease ended, but the company continued withdrawing payments. If they do it, they have to pay interest on the money that they take from customers this way!
Product: Credit card

I made a purchase in the store on XX/XX/XXXX. I later contacted the store and was given permission to exchange my purchase for a smaller couch. I completed an additional purchase around XX/XX/XXXX and was told to expect a credit for my initial items within 2 days. I never received a credit from the merchant and filed a dispute. 

I sent documents confirming that I was due a credit and if reviewed properly my transaction history will show that I never received a credit. Additionally a review of the invoices supplied by the store also show that no credit was applied to my second transaction as claimed my the merchant. 

My dispute has been handled improperly. My documents have not been reviewed and Ive been given conflicting information. Please review information provided in the live chats on XX/XX/XXXX and the multiple calls. 

I am requesting a permanent credit, update to my credit report to reflect the correct high balance and a correction to the minimum payment. I am also requesting {$1000.00} in compensation for negligence.
Product: Credit reporting or other personal consumer reports

i previously contacted XXXX, XXXX, and EXPERIAN about my consumer report having incorrect information as a result I have not received any updates to my consumer report. 

closed account : XXXX XXXX XXXX : which is listed as 42 % paid on time and 7 late payments which is FRAUDULENT i never missed a payment and the debt was paid on time every month i even paid this debt in full 5 years before the loan was due to be fully paid. 

fraudulent inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for REVENUE RECOVERY CORPORATION license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. REVENUE RECOVERY CORPORATION does not have a VALID license in the state of TENNESSEE. Their license expired in XX/XX/XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. REVENUE RECOVERY CORPORATION is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
Product: Debt collection

This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. 
Im extremely frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Student loan

For over A YEAR now I have been emailing and trying to call Nelnet regarding my student loan account being incorrect. No one has answered me in a year. I finally got a hold of someone about 5 months ago after being on hold for 4 hours, they said that their accounting department would look into it and get back to me... they NEVER GOT BACK TO ME... .I finally gave up and filed a complaint with Consumer Finance Protection Bureau . Nelnet took about 2 months to reply that they would look into it. Then finally I received my very 1st response from Nelnet after 1 year of trying to get a hold of them. 
The correspondence is attached that states they would void the duplicate checks that were sent to me and I DID NOT CASH THESE DUPLICATE CHECKS AS INSTRUCTED BY NELNET OVER 2 YEARS AGO ... .THEY SAID AFTER THEY VOIDED THESE CHECKS ON XX/XX/XXXX THAT THEY WOULD FIX MY ACCOUNT ... .IT IS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE... MY ACCOUNT IS NOW IN REPAYMENT STATUS AND IT IS DOUBLE WHAT IT SHOULD BE AND INTEREST IS BEING CHARGED ON DOUBLE WHAT THE AMOUNT OWED SHOULD BE ... .i CALLED AGAIN TODAY AND ACTUALLY TALKED TO SOMEONE AND ONCE AGAIN WAS TOLD THAT ACCOUNTING WOULD CHECK INTO IT ....
Product: Mortgage

I had a mortgage with Wells Fargo Moertgage and sold the house. They sent me a check of {$800.00} to return my Escrow, and I mistakenly did a mobile deposit twice to my checking accounts : once with XXXX on XX/XX/XXXX and again with Wells Fargo on XX/XX/XXXX. I was in the middle of moving interstate and made that error. Both banks rejected the mobile deposit on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Wells Fargo ). I then tried to deposit the actual check at a XXXX branch 2 more times ( XX/XX/XXXX & XX/XX/XXXX ) sharing my original mistake and both times the check was rejected by Wells Fargo so each deposit was reversed by XXXX. The XXXX branch mgr was nice enough to get me on a call with WFargo on XX/XX/XXXX where I was told by XXXX that the check had a " invisible void '' due to my deceased husband being listed on the check and to send in a fax to remove him from the account- which I did on XX/XX/XXXX. Mind you my Probate lawyer had notified WFargo of my husband 's death but they never removed him from the account. WFargo Mortgage was to reissue the Escrow Refund. Instead I receive an overnighted letter from WFargo on XX/XX/XXXX stating there would be no refund on Escrow as that check was cashed on XX/XX/XXXX ( Case # XXXX ). I have spent many hours with both WFargo Mortgage & WFChecking on the phone and they realize that the deposit was rejected by XXXX but no one can seem to issue me another Escrow refund. On XX/XX/XXXX after many frustrating hours on hold with XXXX from WFargo Mortgage, she opened up another case # : XXXX. That case was closed yesterday by XXXX stating I had deposited the check ( which I did not ). I called the number he gave me, and just got a random Escalation person, XXXX, who refused to escalate further and said I had to speak to XXXX even though she could see his email that the case was closed. XXXX was supposed to call me back and that has not happened. I have spent over 10 hours on hold trying to resolve this and just want my refund of {$800.00} and then I will move all of my funds from WFargo to XXXX where at least they respond and resolve customer issues. Wells Fargo never gives out employees last names, emails or contact phone numbers so it is impossible to resolve an issue and each person just wants to close the case as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. The reporting of these accounts on my report are in direct violation of 15 USC 1681 ( 2 ) i which specifically states what should be excluded from consumer reporting. This is a federal offense and has serious ramifications if not corrected.
Product: Debt collection

I C system ( debt collector ) try to charge me an amount on behalf of XXXX XXXX and even report me to the credit bureau for a debt that i dont even recognize. 
They report me to the credit bureau on XXXX XXXXXXXX
Product: Debt collection

Requested Debt Validation Explained I was not a customer of the alleged Originator ( XXXX ) Debt Collection company ( I C Systems ) refused to send validation Debt Collection company ( I C Systems ) repeatedly reporting account as open/active collection w/o validation
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding the reporting of closed accounts on my credit report. These accounts no longer benefit my credit profile and are impacting my creditworthiness. 

Despite my attempts to resolve this issue with Experian, the closed accounts remain on my report without justification. 

This reporting has negatively impacted my ability to improve my credit score. I respectfully request that your office investigate this matter and work with Experian to ensure accurate and fair credit reporting practices. 

Thank you for your time and assistance in this matter. Please let me know if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a negative account listed on my Transunion Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with Transunion on XXXX and they had removed it on XXXX. However, on XXXX, Transunion reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, XXXX.
Product: Debt collection

I continue to receive calls and voice mails from this collection agency and I have told them repeatedly I do not know the person they are looking for. This is a new home phone number that I recently received.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], are not complete and accurate. 

[ XXXX XXXX XXXX  XXXX ] open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date of last active, report date, reporting on report ( 2x ) this account is not accurate [ XXXX # XXXX ] open date is not reporting correctly, high balance amount, date last active, report date, last payment date, closed date this account is not accurate XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, report date, closed date, high balance amount, reporting on report ( 2x ) this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the BBVA fraud department to inquire about my debit card not working. After verifying my Identity, I was told my accounts are frozen. 
This action is based on a report received on XXXX XX/XX/2021. They were coping my accounts. When inquired what report was and sent to them by who, they were unable to provide this information. I call CFPD and they said I have 15 days to reply to this matter. 
But no one can tell me anything about the report and or what negative items it contains. 
I have a large sum of XXXX in Savings and about XXXX in checking. I was told by the fraud that they were closing my accounts. I work with The XXXX XXXX and, I have filed a police report concerning ID theft of my identity. That report is attached.