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

The reason for me filing this complaint with your agency is due to Experian credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with Experian against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting Experian credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Credit score was increased to XXXX good standing PER EMAIL BY EXPERIAN XX/XX/18 Credit score same score XXXX PER EMAIL BY EXPERIAN XX/XX/18 XXXXredit score deceased XXXX DROPPED 16 POINTS Called Experian XX/XX/18 talked to customer service, dispute, fraud department and each representative- INITIATED STANDARD OPERATING PROCEDURES ANSWERS. DISPUTE DEPT STATED EXPERIAN REEVALUATES CREDIT REPORT AND CAN DROP POINTS REALLY!!!!!!! ON WHAT FACTORS? EXPERIAN THINK CONSUMER ARE XXXX!!!!!!!!!!! 

VERY IMPORTANT INFORMATION REGARDING CREDIT REPORT REASON FOR FILING COMPLAINT WITH YOU- - no changes with hard inquiries, new accounts, credit limits, credit balances other then {$45.00} XXXX card on XX/XX/18 which does not warrant a 16 point drop! THE RATIO AND USAGE RATE ARE THE SAME AS REPORTED ON XX/XX/18. 

PLEASE RESOLVE ASAP-.EXPERIAN MAKES DECISIONS THAT RUIN CONSUMERS CREDIT RATING AND NOT TO GIVE ME FACTORS AS TO WHY A 16 POINT DROP IS UNETHICAL. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the XXXX breach, I logged on to their website to start a Credit freeze and filled out the online information they wanted and received a message when I hit the submit button that my file could not be found! I believe they have deliberately made it impossible to file a credit freeze. How could my Credit report information not be there and available? I have tried for 3 years through XXXX to correct my report with no response or action from them of any kind. I have sent them the requested information through the mail three times attempting to get my report fixed and they never made any acknowledgement they received it and they never made the corrections even with the proof I included they asked for. All Credit Reports should forever be eliminated so this can never happen again and Equifax should be required to immediately initiate a credit freeze on all individuals whose information was leaked not only with their company but they should be forced to freeze all credit reports with all companies and pay for the freeze costs immediately!
Product: Debt collection

I gave XXXX XXXX my dental insurance information. My insurance covered XXXX and advised that with all my discounts it would be XXXX so I made a pymt iao XXXX dollars and now they are billing my for XXXX and i submitted everything to my insurance and also im no longer with the job so i don't have all the info anymore But this was supposed to be taken care of and zeroed out as of last year
Product: Mortgage

I have not received a mortgage statement from Ocwen Loan Servicing since XXXX XXXX, 2015. When I called to see why I have not, I was told there was a glitch in their system and they do not know when I will receive my statements. I have a loan modification and was scheduled to receive a {$31000.00} deferred principle adjustment on XXXX/XXXX/2015 and I have no record that they did that. I am current on my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.have some hard inquiries on my credit report I have no knowledge of, contacted Transunion to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX DBA XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX   XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX   XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXX  XX/XX/XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX  XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXXXXXX XXXX XXXX and I would like them removed off my credit report. They are in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. 

I'm asking for them to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and they are refusing to delete this information. This also is a cease and desist. 

According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

They are stating I owe them a debt and I have yet to receive a validation of debt which is mentioned above. 

I have repeatedly asked for this company to delete this information from my credit report and they have refused. I have asked for validation of debt and they have yet to provide any according to the information provided above. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

They needs to delete any and all information that is related to me and if they refuse I will use all laws applicable to me and sue. 

I'm a XXXX in which our information has at times appeared on our credit reports or it may be neither of ours.

No matter what the situation may be I've never done business with this company or have a signed contract and this information must be deleted.
Product: Debt collection

This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending ONE statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX, this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor benefit from the following inquiries. According to the Fair Credit Reporting Act the following inquiries must be blocked and removed. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Product: Credit reporting

On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I called XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX ) to find out my PO, as I paid on time for 2 years with no issue. The rep on the line advised me my PO was over {$1400.00}. I asked how is this possible when I just spoke with a woman less than a month ago there who advised me it was under {$200.00} left which is a huge difference. The rep then put a co manager on the line by the name of XXXX. I explained that I was confused and that I'd just spoken with someone who had given me drastically different information. I explained none of the reps I recently spoke with made no mention or warning about closing the small balance by a deadline. I never directed any of my panic or confusion towards him as I, myself, am in customer service for a living. He instantly got disrespectful and irate as if my problem offended him. He was extremely rude, belligerent, and used a plethora of slang and nearly curse words towards me. He even told me I need to " shut up '' and threatened me. He said that he would reverse the balloon interest that occurred because it had only been 5 days. He told me to hold on to take care of it and then transferred me to a man named XXXX. XXXX advised he was the manager and that he was " not helping me ''. I told him what the manager prior had just promised to put me on hold to take care of it so that I may pay my shortage and that I was not sure why or how he got on the line, given he wasn't saying anything. He said he did not care, that he was not helping me and did not care about what XXXX had just stated to me. I asked were the calls monitored and recorded and he told me they are not. Each question I then asked, his only reply was " I'm hanging up ... ''. I called a different Tower Loan location upset to my core and crying as {$1400.00} is not affordable especially after he promised to fix it and that it was resolvable. The location I called advised me that this store heavily gets complained on about the disrespectful managers and that the calls are indeed recorded and that I had been lied to by XXXX. I even called back to get corporate information and was denied any contact information.
Product: Debt collection

I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified both Experian and XXXX  by certified mail on two separate occasions in XXXX and XXXX of 2020, with supporting documents making the companies aware that I am a victim of identity theft. Both companies placed a fraud alert onto my credit files, but has not investigated the disputes listed in the dispute letter. All I've received from Experian and XXXX  was a paper stating that a fraud alert was placed onto my credit file. ( PLEASE SEE ATTACHMENTS ) The FCRA promotes accuracy, and fairness of information in the files of consumer reporting agencies. The FCRA Summary of Rights also states that you required by Federal Law to physically verify accounts that creditors are reporting to your company within 30 days.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$18000.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, Bankruptcy XXXX XXXX Discharged reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus Experian, XXXX and XXXX. 

Experian and XXXX have failed or denied all attempts mark debt accurately. 
Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail. 

As of XX/XX/XXXX, Bureaus Experian and XXXX still advertise the debt as outstanding and late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed
Product: Money transfer, virtual currency, or money service

I started a lease on   XXXX   XXXX     with  FirstData fo r  XXXX  credit card processing machines. Their agent did not mention to me that the machines were leased for 48 months and the lease was absolutely not cancelable. I tried to cancel the lease with  FirstData after  only a few weeks after signing the lease. The representative told me he will get it done but never was able to do it. The total cost of the lease was about {$4000.00}, for a business that never started. It was very unfair that the representative knew that i only got  XXXX  of their products because it was a new business and i wanted to try them out and i clearly mentioned that i might cancel them if i do n't need them. It seemed the reparative knew my intentions to possibly cancel them within a shorter time period but had not said anything to me. I called many times to  FirstData to resolve this, but the only reply was that it was in the contract. I asked for the contract m any times but never ever have seen the copy that i requested. Please read the fine print, seems like these days salespeople have no ethical obligation. I also contacted the branch  manager  at  XXXX  a number of times since first data was in his branch. It was all talk but nothing got resolved.
Product: Debt collection

I reached out on XX/XX/XXXX about a payment plan that I was on. I was on an extended payment plan of {$270.00}. Unfortunately I had fallen through some hard times and asked if the payment can be moved. I was told that that payment could not be moved. Then I try to make a payment, and then that payment was returned due to insufficient funds. I tried to reach out on Monday, XX/XX/XXXX and none of the representatives were helpful. I kept getting the runaround. I had put in a complaint, and I responded to the complaint. Explaining that I agree with the outcome but I am working on getting the funds and once I had the funds I will reach out today at around XXXX XXXX. I got a call from the department the in-house to collections department telling me how am I going to be paying that balance? I explained that I did not have The available funds because Im trying to work things out with my bank to see if theres a resolution to get the negative valance fixed then I asked, can you please remove my phone number so I dont have to get calls and I can focus on getting back in my feet and the agent I spoke to told me unfortunately theres no way to remove the number collection efforts will assume I want this company to cease and desist communication until Im able to get back on my feet. I am not denying this debt. I know I owe but I just want the calls cease because this is put a lot of stress on me physically, and mentally.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

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

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian that is hurting my file. this has been an issue that needs to be resolved asap. no data is valid an caused alot of denials. checking my credit report no information listed is correct an is hindering my file. please review an remove the listed items asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I bought crypto on the robinhood platform. When trying to send that crypto to my external wallet, my entire robinhood account became restricted with no explanation. I've submitted the documents they've asked for yet have received no response into getting my restriction removed.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.
Product: Credit card or prepaid card

On XX/XX/2022 I was at XXXX making a purchase for my household. After ringing my items I attempted to utilize my card three different times before I asked a store associate for help. She then attempted to help me four more times before I had to call the company itself. During this phone call I was told that I had to use the credit option instead of debt because of the fact that I did not have the additional funds to utilize the debt option. I also asked to speak with a supervisor and was provided with none as I was told it was only one working. I did not know nor was I told when I received the card that there were additional hidden fees. According to 15 U.S.C.1631 ( 3 ) ( C ) I was to be told about all fees before I was even presented with the card in which I was not. 15 U.S.C.1631 ( 3 ) ( B ) ( 2 ) ( C ) also states that only one fee per month may be charged. I have been charged several fees this month for using the money I supplied to this card for my endeavours. This situation was very embarrassing and when I told the customer service rep I and the store associate had tried the credit option and it still declined she proceeded to tell me I did not like she was in the store with me because the system said that I had not tried. This was humiliating making this call as I stood with tears running down my face because I was attempting to purchase food for my family and I without knowing about the additional fees. This is the XXXX pre paid card provided by the company.
Product: Credit card or prepaid card

I applied for a  Capital One credit card and was approved. I called to activate it and they said there is fraudulent activity on the card . I just received it in the mail on  XXXX / XXXX /  XXXX   and they are telling me this on  XXXX / XXXX /  XXXX  . I asked them about what was going on and they would n't explain why. They said to go forward they need a copy of my drivers license, my social security number and proof of address. I do n't feel comfortable having a copy of my drivers license put on file with my social security number. Their data base could be breached and that would set me up for identity theft. The information that i provided them with should be sufficient enough. I only ask that they explain to me why i have to go through the extra steps. Why is not everyone required to do this?
Product: Credit reporting or other personal consumer reports

someone applied for credit in my name. Been in contact with XXXX XXXX and XXXX Bank. Please see the attached letters.