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

Experian is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Experian. I have filed multiple disputes with Experian and they have failed to investigate properly and continue to report this account. Experian is Illegally reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active auto loan with REGIONAL ACCEPTANCE. This account was opened XXXX XXXX. In XXXX and XXXX of XXXX i made both payments before the due dates yet they both show as late on my credit report. XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent XXXX certified letters requesting the verification to which i receive no response. I have even provided RA with copies of my bank documents showing the payments as processed and the statements from RA showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at RA is even making an attempt to resolve this problem. The last agent i spoke with XXXX XXXX told me if i dont like it i should just do a voluntary repo on the car.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 items of information, other than records of convictions of crime 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against BANK OF AMERICA CORP ( BOA ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, BOA has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting BOA directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that BOA promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with the account listed under XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct below i attached Transunion results proof I tried to fix the problem with the company proof of receipt sent certified mail
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 Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent XXXX, Experian and XXXX a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX  stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX  whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted XXXX letter asking for this information to be validated and a letter sent out.
Product: Credit reporting

Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals XXXX.
Product: Debt collection

Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. 
Conclusion of the report that I have is : XXXX XXXX XXXX  XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX   XXXX VIOLATED THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. 

I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to XXXX XXXX XXXX and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. 
THANKS FOR YOU HELP! 
Thanks for your valuable help! 
XXXX XXXX My direct number ( XXXX ) XXXX I hope you can help me whit this matter
Product: Debt collection

I received an update on my credit report that I had a derogatory account, the company named was Commonwealth Financial. There was a phone number and so I called to speak to an advisor, he said that my phone number was not linked to the account, the representative a XXXX XXXX, then took my my DOB, he then said it was a debt from XXXX, I asked him several times if his company had tried to contact me prior to the derogatory charge being put on my account, he initially hung up, I called back, he proceeded to call me by a different first name till I corrected him, I asked for a copy of the recording and he refused, he finally admitted that the company had not sent any letter or attempted to contact me prior to putting the derogatory charge upon my account. He said a letter would be sent today and I would receive it within 5 days. The outstanding debt was with my travel insurance company and o have sent this information to them in XXXX  and have heard nothing until todayXX/XX/XXXX, I have a few concerns, one can they place a derogatory charge without any attempt to contact me, is this practice legal??
Product: Credit reporting or other personal consumer reports

Home was sold and mortgage paid off XX/XX/XXXX. 
Release of mortgage received XX/XX/XXXX. 
Bureaus still reflect an outstanding balance on XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I went outside to get into my XXXX XXXX XXXX. The loan was through IAC located at XXXX XXXX XXXX XXXX XXXX, CT. The car was gone, so immediately I called the company to speak with " XXXX '' who I had been working with for years. I will admit there were times that I may have made less of a payment than the arrangement, however the following week I always made up for it. XXXX and I had an ongoing arrangement, that I always honored when making payments. In addition, I was ONLY about {$1200.00} away from paying the loan off in FULL. XXXX refused to speak with me and transferred me over to a woman who said that I had to pay {$2000.00} that day to get the car back. I had said that I did not have that amount right then but I would come up with it. 1 week later, on XX/XX/XXXX I had the money to pay for whatever balance of the car they were asking for. I called IAC back and asked to pay the balance, at which point they told me it was NOW {$2200.00}. I asked why it went up? They explained to me that because a week went by and the " storage fees '' the amount went up. Either way, I paid the {$2200.00} to get my car back. I asked them to please release the vehicle and I would go and pick it up that day. You will be able to see via email screen shots, that I was advised the car was all set and I could go and pick it up. They gave me the number to " XXXX '', who gave me the number to the local tow company. I called that guy and he tells me that I needed to now pay him {$900.00} to get the car back and it I didn't come that day by XXXX, it would be an additional $ XXXX until the car is picked up. I told him that I was NEVER told about having to pay him and I was actually advised that the reason the payment even went up from IAC, was due to " storage fees ''. I told the guy that I can not afford another {$900.00}. About 28 Days later I receive a text message from a gentleman from XXXX XXXX XXXX XXXX, asking me for the keys to the car, so that he didn't have to make a copy. I asked why? and he said bc the car was seized and was going to auction and only after 28 days. He then proceeds to tell me that the car actually did not even go to the correct tow location and I was never supposed to be charged those fees .... {$900.00} in fees. I explained to him ; then the car is mine. Can I come and pick it up, because I paid all of the fees with IAC that I needed to. He then said ; he was sorry and it was too late and the car was already going to auction. I ended up giving the gentleman the keys to the car and now have been without a vehicle since XX/XX/XXXX and there is a NEGATIVE rating on my husbands credit report stating we owe {$340.00} even after the car was auctioned. NONE of what happened here was within CT State Laws and I am VERY upset.
Product: Checking or savings account

It was the end of last month I stayed at a hotel the XXXX XXXX the room was {$100.00} for the night as the also hold a {$50.00} dollar deposit incase of damages .I check out next day they inspect room no damages and they immediately drop the {$50.00} deposit. I used my cash app card and to date today cash app still has it as pending I contacted them numerous times to be hung up on at least a dozen times as well as told to provide them with a letter from the hotel satateing a XXXX balance .I did so they then proceed to tell me that what I provided was not to there likings an I have to provide them with exactly what they asked for a letter on company head with phone number my name and a XXXX balance .I did provide with all they asked and was told that's not good enough .. to where i call and I am immediately hung up on an get no response and they are still holding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX XXXXXXXX  no. XXXX XXXX- acct no. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Digital-paid in full XXXX-acct no. XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MORTGAGE XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion credit reporting is reporting false and inaccurate information on my credit report regarding child support. This is fraud because under 15 U.S CODE 1681e ( b ) and 15 U.S CODE 1681i ( 5 ) this account in violation not reporting 100 % accurate. It lists the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account.
Product: Credit card

In XX/XX/XXXX I was approved for and received my American Express Platinum card. I began using it and eventually reached a spending threshold which awarded me XXXX of their Membership Rewards ( R ) Points, as promised. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I now have, as the time of this writing, XXXX points and my Membership Rewards ( R ) Program Number ends in XXXX. My credit card ends in XXXX. I have been a customer of American Express for decades and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 

These points can be used to transfer to airlines or other services for travel or commerce. Onoe is supposed to be able to simply link the American Express account online with other listed programs such as airline accounts, etc, and then make an online transfer after filling in their online forms. In XX/XX/XXXX I tried to do an online transfer of XXXX of my points and received the following error online : " Unable to process your request We are unable to complete your order. Please do not attempt to resubmit the order, as this will only delay the process. Please contact us at XXXX between XXXX and XXXX ET, Sunday through Saturday. '' I called American Express and spent no less than 45 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the points would be available " soon. '' She could not tell me anything else. I waited. Today I tried to transfer XXXX MR points to one of my linked accounts online and got the same error. It also came with error code : code : XXXX. Online chat is unable to help, further phone calls will result in longer waiting and no real answers, and in the meantime, my points, which I properly earned, can not be used. Why are they in my account if they can not be used? I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points held up by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit report. It has come to my attention that unauthorized entries have been listed, significantly impacting my financial well-being. 
This complaint is a formal notification of the urgent need for the swift removal of these fraudulent items from my credit report. Upon discovering these unauthorized entries, I immediately took action to dispute them in accordance with the established procedures outlined by Credit Bureaus. I provided all necessary documentation, including police reports and affidavits, to support my claim of identity theft and fraudulent activity. Given the severity of the situation and the potential implications for my financial stability, I urge you to expedite the process of investigating and removing these fraudulent items from my credit report. Prompt action is essential to mitigate any further damage to my creditworthiness and to restore the integrity of my credit history. I request the following actions be taken without delay : Immediate removal of all fraudulent items from my credit report. Written confirmation of the removal and updated credit reports reflecting the correction. XXXX of ongoing monitoring and protection against future instances of fraud or identity theft. I emphasize the critical nature of this matter and urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX.