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

I've made several attempts to resolve inaccurate information on my credit report with Experian. I've disputed the information with hopes Experian would follow the law and perform an investigation. This has not happened. I've sent in the document after document showing and outlining the " exact '' error. Which is not my job to do. I shouldn't be providing them with the issue and the answer. I'm told by law, the Fair Act of Reporting 15 U.S.C. 1681, items listed on my file must be accurate. The definition of accurate, ( of information, measurements, statistics, etc. ) correct in all details ; exact. This information is not accurate based on definition alone. Furthermore, I did not give said company or Experian written authority to list any inaccurate items on my consumer credit file, as stated in the following, 15 U.S.C. 1681b ( permissible purposes of consumer reports ). Each time Ive disputed any item, Experian returns with a blanket statement ( You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute ) and fails to do what is deemed an accurate re-investigation. If the reinvestigation was performed, they would spot the obvious inaccuracies listed on my report and correct, and/or delete. Since this dispute has been beyond the timeline outlined for reasonable disputes, ( XX/XX/XXXX ). The only resolution at this point would be to delete the items Ive disputed due to lack of verifying the information, along with the accuracy of the items. Prior to XXXX, Ive have time to work endlessly on my credit file. However, with the prolonged progress of the last items listed, Experian gives me no option to look at acquiring a mortgage, as lending and underwriting clearly see the inaccuracies which leads to automatic declines. This mistake and blatant disregard to my consumer rights has led to years of stagnation of me gaining any credit approvals.
Product: Checking or savings account

On XX/XX/XXXX I discovered that my Citibank debit card was compromised online and used fraudulently. In the following days, I discovered a few transactions that I did not authorize and promptly reported them to the bank. All of the transactions have been properly reversed and credited back to my account including the transaction from XXXX in the amount of {$1400.00}. 

During the last week of XX/XX/XXXX, I received a letter from the bank stating that this transaction will be debited from my account on XX/XX/XXXX because the bank received documentation from XXXX stating that something was delivered to my address from XXXX on XX/XX/XXXX. 

I have no idea what was delivered as I did not place any orders from this company. I have not authorized this transaction. 
I have reported my debit card as compromised on XX/XX/XXXX and the delivery date that was given was in the first week of XXXX - number of days after my card was reported as compromised. I don't have a XXXX account and I did not use their service at all. 

Since XX/XX/XXXX I have sent a letter and fax to Citibank to request that this debit be corrected. I have placed numerous phone calls to the dispute department and as of today, nothing has been done to correct the problem. 
Please, credit my account for this unauthorized transaction ASAP. I should not be out of my money for weeks on end for a transaction that I did not make. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed the accounts that are included and they do not relate to any transactions I have made or authorized. FTC Report attached. Account XXXX : ( XXXX XXXX XXXX : XXXX ) Account XXXX : ( XXXX XXXXXXXX : XXXX - this one was removed as a collection but Shows as closed and reports a late payment, It is NOT My Account : ) these also were investigated by XXXX and XXXX with the same result a removal. I have had to go back and forth withExuifaxas if I am bothering them for trying to get help with this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Equifax. I have been very ill this past few years and going through this back and forth withEquifaxis taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX agreed to delete a debt off my credit report due to natural disaster of XXXX XXXX XXXX / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So TransUnion removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law
Product: Credit card or prepaid card

I was purchasing a motor scooter with a company out of California called XXXX XXXX XXXX XXXX. Using their lay away payment program. I made the initial payment of XXXX which is the shipping fee. I then made two more payments one of XXXX another XXXX first payment cleared my bank chime acct other two were pending hit next day but were declined because my bank put a merchant block on. Called bank they didn't give me reason why. I then look XXXX XXXX XXXX up on XXXX XXXX XXXX there were complaints after complaint that this company is a scam. So ive tried getting refund back with company but no luck. I tried filing a dispute with chime but yhey refuse to do dispute because one i authorized transaction two i hadn't pd for the complete total of item and not being delivered my argument with bank is they put a merchant block on that company therefore keeping me from making full purchase amount agent tgen wa going to see about removing block so i can finish making pauments on full to a company known to be a scam and my bank chime apparently also knows the company is a scwm or why else put a merchant block on. To be ably to do a dispute for XXXX dollars which i think if allowed by bank to knowingly keep making payments to a company known to be very fruandulant is just stupid so you as cinsumer can fike a dispute. I think chime because they put a merchant block on keeping me from.fullfilling payments should allow for dispute to get refund of the XXXX they allowed to clear they knowingly allowed one paymebt to go thru before applying the merchant block therefore they should be held liable for saud amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Best Buy Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called bank of america to verify some recent Activity as for I noticed a charge that got Declined on XX/XX/XXXX. I was speaking to the fraud department which was the correct department that I needed to reach to unlock the card account. During this 16 minute phone call the rep was successfully able to unlock the corporate credit account which was the umbrella acct for the two card accounts. The rep was able to successfully unlock the account because on XX/XX/XXXX I appeared in person at the branch with two forms of id. While I had XXXX ( the fraud representative ) on the phone i relayed to him that we just had two unsuccessful purchases at XXXX and because I had him on the phone he was able to unlock all three accounts and asked me to try the transactions again and we did and they were successful. On XX/XX/XXXX We attempt to make a purchase and were unsuccessful and the same thing happened. The card was locked and the system generated a notation that stated we needed to go into a branch with two forms of id. 

This is the third time the system has falsely detected fraud resulting in a false positive alert. I stated to the rep on XX/XX/XXXX that we are very frustrated with the amount of hours we have had to spend in a branch to resolve past errors caused by the bank and will not stay in the financial relationship anymore if it keeps happening. So as of XXXX XX/XX/XXXX all three accounts have been system flagged and blocked. Requirement to get unlocked would be to visit branch with two forms. At this point we will not be visiting another branch and there is plenty of evidence pointing to the branch causing the error. Forget the error no where in their terms and agreements does it state that false positives are something that happens nor do they provide the solutions to go about correcting the issue their systems incorrectly caused.
Product: Credit card or prepaid card

CFPB Write up n 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 a account without my written instructions XXXX XXXX XXXX. XXXX XXXX Account paid full charg off. 1 XXXX XXXX XXXX, mi XXXX
Product: Money transfer, virtual currency, or money service

I did what the company has asked me to do to unlock my account, now they are completely silence again, no response, no update and my account is still locked. As a reminder, this is their fault to begin with to lock my account WITH NO REASON whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

As a Federally Protected Consumer, Natural Person, and Authorized Representative for XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and perform redress compensation for your trespass against me. You are causing me damages, suffering by attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

The within named natural person ( *Consumer ), XXXX XXXX XXXX who is domiciled at XXXX XXXX XXXX in Florida XXXX personally came and appeared before me, the undersigned Notary Public, and makes this his statement, testimony and Affidavit of Facts under oath or affirmation, in good faith, and under penalty of perjury, of sincere belief and personal knowledge that the following matters, facts, and things set forth are true and correct, to the best of his knowledge in reference to account / stated or implied account # XXXX : I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CONVERGENT OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with CONVERGENT OUTSOURCING in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
Product: Mortgage

Payoff of the mortgage amount was made XXXX XXXX, XXXX. Taxes and insurance on the property were escrowed. In the settlement statement escrow balances were omitted from the statement. On XX/XX/XXXX, we paid directly the real estate taxes of {$11000.00}. Mortgage company had not sent escrow statements or calculations for several years. In addition, we had never received account statements for several years. These were requested multiple times over this several years. Without response. Statements were not available for our account or escrow account online. However monthly we had made our payments timely online. We had hired a law office XX/XX/XXXX of XXXX  as the mortgage servicing company Bayview loan servicing which became Community loan servicing in Florida, would never respond to any types of communication although communication to the loan servicing entities had been constant and consistent. For many years we had continued problems with the loan servicing company of various types. According to our attorney, The loan servicing company had violated several state and federal laws. Eventually, we paid off the loan which unfortunately cured much of the loan servicing company 's violations. The last matter became the escrow accounts which they refused to communicate upon. At this time we hope that your communication will accomplish a response with regard to what we believe is a XXXX to {$15000.00} matter in escrow that no accounting was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX and wanted to make a large purchase with XXXX services but was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file I have a XXXX XXXX XXXX XXXX fraudulent account. I want this account removed from my credit file. And evidence of who opened the account.
Product: Debt collection

I received a letter stating that the debt was over the allowed time for them to sue me or report to credit report but they have not removed the collection from my credit report. This needs to be removed since it is past the time allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : POSSIBLEFINA XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Debt collection

Someone in XXXX, TX opened an account without my consent with XXXX XXXX XXXX. Service through the company was provided XXXX at an apartment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, TX, XXXX. The bill was not paid and sent to collections. On XX/XX/XXXX, I received notification of this debt in the form of a letter dated XX/XX/XXXX from Online Information Services. I contacted XXXX XXXX XXXX directly and informed them I did not open the account. I was told to contact the XXXX Police Department to file a report. The case number is XXXX. In addition, I was told to file a report with the FTC. I am to submit proof of both reports to officially dispute the fraudulent charge.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.

2. XXXX XXXX - 2 inquiries on my XXXX  - I have not applied for any XXXX XXXX accounts. XXXX XXXX  keeps showing up on my credit reports and I have not applied for XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint due to the ongoing and unlawful reporting practices by XXXX XXXX, XXXX XXXX XXXX, and Experian. Despite multiple disputes, including certified letters and an FTC Identity Theft Report, both XXXX and Experian continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Violations : Failure to Provide Proper Validation ( XXXX XXXX and XXXX XXXX XXXX ) : I have repeatedly requested proper validation for the accounts in question, including the original contracts with wet signatures or digital proof of contract ( IP addresses and metadata ) if electronically signed. Instead, XXXX XXXX XXXX and XXXX XXXX have provided irrelevant documents like bill statements and terms and conditions, which do not satisfy the requirements of proper validation under FCRA 15 U.S.C. 1681i and FDCPA 15 U.S.C. 1692g ( b ). 
They have also failed to show legitimate proof of my authorization for these accounts, making their continued reporting illegal. 
Continuous Reporting and Re-Aging ( XXXX XXXX, XXXX, and Experian ) : XXXX XXXX  and XXXX continue to report these accounts as " Charge-Off '' ( CO ) on a monthly basis, despite being charged off years ago. This constitutes re-aging, a violation of FCRA 15 U.S.C. 1681c ( a ) ( 4 ). 
Experian, despite being notified of the disputes, has failed to stop reporting this inaccurate information and continues to reflect the false reporting by XXXX and XXXX. This is in violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to cease reporting inaccurate information upon notification of a dispute. 
Failure to Cease Reporting After Dispute ( Experian and XXXX ) : Despite my multiple disputes, Experian has continued to report these accounts without conducting a reasonable investigation as mandated by 15 U.S.C. 1681i. Simply " verifying '' with the creditor without obtaining proper evidence does not meet the legal standard. 
XXXX XXXX and XXXX have also failed to comply with 15 U.S.C. 1681s-2 ( b ) by continuing to report these accounts without proper validation, despite being informed of the dispute.

Harm and Consequences : These unlawful practices have caused severe harm to my credit score, preventing me from securing necessary housing and loans. The continued re-aging and false reporting have also caused significant emotional distress and financial harm, as I am unable to move forward with important life decisions for myself and my family. 


Thank you for your attention to this serious issue.
Product: Credit card or prepaid card

I have filed a previous complaint regarding this. 

On XX/XX/XXXX BOA took my automatic payment out of my account twice. 

for {$2700.00} they only credited the account once. 

I have called them on numerous occasions to have this resolved with not action taken on their part. So they have owed me {$2700.00} for a month now. 

If this had been the other way around, I would be incurring late payment charges and high interest rates. 

After I filed a complaint with your organization I finally did get some action from BOA. 

They credited my account for {$1200.00} and started to reflect the 2nd payment they had taken on my account. However, they did not refund the entire amount that they mistakenly withdrew on XX/XX/XXXX. They took an extra {$2700.00}, they finally refunded ( after I filed a complaint with your organization, thank you very much ) {$1200.00}. They still owe me {$1500.00}. 

I did not stop payment on my " auto pay '' this month for XX/XX/XXXX. I was afraid if I did they would charge me late payment fees and interest.. 

So now they have taken {$2600.00} out of my bank account for the XX/XX/XXXX payment. 

Which would be OK, except they neither credited me or returned the {$1500.00} they have owed me for over a month now. 

I am in XXXX, so this has been really difficult for me to handle. I have already spent over {$100.00} on international phone calls trying to resolve this with BOA to no avail The only satisfaction I have gotten is from contacting your organization. 

Could you please help me get back the remaining money they owe me? {$1500.00}. 

Thank you XXXX XXXX