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

Re. Experian -- - Problem filing a dispute to an adverse entry on my credit report, and Problem obtaining a free credit report from Experian detailing an ADVERSE entry in my credit report -- -- My credit alerting service, PROTECTMYID ( protectmyid is an Experian company/service ) alerted me that an ADVERSE entry was added to my Experian credit report. I investigated the limited info available on the adverse report through my protectmyid.online account. Through the links it provided to Experian for filing a dispute online as well as directly through Experian.com, I tried to file a dispute online with Experian. However, EVEN AFTER EFFECTIVE LOGIN AS WELL AS COLLECTING ALL MY INFORMATION AND VERIFYING MY IDENTITY, EXPERIAN REJECTED MY REQUEST TO FILE A DISPUTE ONLINE. EXPERIAN ALSO REJECTED MY ONLINE REQUEST TO OBTAIN A CURRENT COPY OF MY CREDIT REPORT THAT DETAILS THE DISPUTED ENTRY. EXPERIAN FAILED TO PROVIDED ANY EXPLANATION WHY BOTH OF THESE REQUESTS WERE REJECTED. They simply advised that I needed to pursue both requests through their written process. 

In other words, Experian denied me appropriate access to my credit report as well as the ability to file a dispute online for an adverse entry in my credit report. Their written process is not only very inconvenient and time consuming, sending the info they requested through the mail is also more insecure than their online service. Again, I was able to login into my account with them as well as independently provided them with all info to verify my identity. Experian has failed to provide any explanation why they denied me appropriate service through their online systems.
Product: Debt collection

I just realized that my credit score had dropped due to the company reporting my deb into collections. I want the company to take my account from collection into good standing
Product: Debt collection

You previously offered {$75.00} to resolve the balance for the above-referenced account. In keeping with Midland Credit 's Consumer-First policy, Midland Credit is prepared to accept your offer. Please see Midland Credit 's comprehensive response letter, which is attached for additional information. THIS IS INFO I GOT FROM MIDLAND CREDIT YET HAVE ASKED THEM TO SEND ME IN MAIL SOMETHING STATING THATIF I PAY THE XXXX BUCKS IT WILL COME OFF XXXX XXXX CREDIT. NOTHING HAS EVER COME. WE PUT A CEIST AND DESIST ON THE ACCOUNT AND THEY STILL CONTINUE TO CALL AND HARASS US.
Product: Debt collection

Brown and Joseph collection law firm was contacted by my attorney in regards to collecting funds that are a violation of the fair credit reporting act. The firm has recieved the letter from my attorney with case law yet the company is sending second notices to me to intimidate me and cause me more problems and threats to harm me by lawsuit or damaging my credit. The precedents in this matter have been clearly provided along with proof that the documents were sent to them yet the collection firm is using strong arm tactics to attempt to harass me and cause me undue hardship. 
I am hereby requesting help to get this resolved as the company should stop immediately per the case law established and that they are well aware of.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding the health of disputes, particularly in light of the reason CFBP lawsuit highlighting significance issue with platform that despite using gel numerous times and reporting discrepations my financial institution and thou failed to investigate my claim adequately that they informed me that recovering lost fans was impossible and that tracking this transition was unfeasible that the CFPB 's Finding indicate that XXXX has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system leaving user vulnerably to scams. This lack of accountability and transparency is unexpectable and raise serious concern about consumer safety
Product: Debt collection

Convergent Outsourcing , Inc sent a letter attempting to collect a debt and committed several individual acts against the Fair Debt Collection Practices Act. I, the consumer, have never entered into any contract with COI. I have a cease and desist order that I have sent and it is attached to this complaint. I demand deletion from all of my reports immediately and I will be seeking remedy for all injuries pursuant to 15 USC 1692k for any noncompliance.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of this data breach, and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Per the FCRA 15 USC 6802 ( b ) opt out is a provision of the Gramm-Leach-Bliley Act ( GLBA ) that requires financial institutions to give consumers the choice to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. The privacy act of 1974 violation.
Product: Debt collection

There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX  XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I opened a CareCredit card in XXXX. Since, I have made my payments on time. The company has promotional balances and non promotional balances. The promotional balances have due dates and if paid off early they do not collect interest. 

In XX/XX/XXXX, I decided to pay on most of the non-promotional balance. However upon later discovery, they had allocated it incorrectly and in violation of the Credit Card Act of XXXX and had given me false information regarding said allocation. When I began making regular allocations in XX/XX/XXXX and discovered they were not allocating them correctly, I filed a dispute and asked for investigation. I have recorded phone calls of the customer service representatives saying they admit the XXXX payment was incorrectly applied, however it has been too long for them to correct it. They were also unable to correct any of the payments between XXXX and XX/XX/XXXX despite the fact I filed the dispute well within the timeframe and said their only option was to disperse a refund check of around {$30.00} for what I overpaid for the most recent month. However, over on the XXXX complaint, they continue to lie about how it was applied correctly and state my minimum payment was taken out of the amount, despite the fact I had already made my minimum payment for the month prior to making the allocation. They also falsely stated any amount must go to the promotional balance, although the Credit Card Act of XXXX states any amount paid over the minimum must go to the highest Interest-collecting charge unless a promotion expires in the next XXXX days ( each time I made an allocation, I did not have any expiring promotions until XX/XX/XXXX ). 

I decided to go ahead and submit the full disputed non-promotional balance as well as the full amount for my next due promotion but to record the entire process to catch them if they tried it again. And sure enough, they did. On XX/XX/XXXX, I made a payment of {$2200.00}. Initially, it showed as being applied correctly. However, when the statement was generated, it was suddenly wrong again and thus I was charged interest for an amount I had already paid. I contacted customer support and they told me it was a mistake and they would correct it. Then, the day before my payment is due, I contact customer support as it is showing incorrectly, they tell me that BOTH customer service reps from before had made a mistake and allocated it incorrectly. They told me it would take up to XXXX months to correct although it has already been nearly XXXX months since the payment was made and XXXX month since the issue was noted and that this has now happened to my account multiple times. At this point, I am concerned that the company may be intentionally mis-allocating the payments of their customers in order to defraud them out of more money, and that they intentionally make the dispute resolution process difficult and lengthy so they can run out the timer on investigations. 

This repeated mistake of theirs has now cost me nearly {$5000.00}. They have been made aware of it multiple times and fail to offer any real resolution, only useless apologies.
Product: Credit reporting or other personal consumer reports

Dispute of accuracy of credit acceptance account, the account states it is still open and reporting on my credit report the car was repossessed and closed over 7 years ago!!! And they are still reporting late payments open account on my credit!!! I have disputed and ask for investigation every year the past XXXX  years!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the complaint to XXXX XXXX XXXX and Experian about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

So XX/XX/2021 I got an email stating I opened a XXXX XXXX account, I have never requested an account ( checking account ) so I called experian, and XXXX and had fraud alerts and securities placed on my account. For experian im actually paying for it XXXX $ monthly and i was actually charged the other day. Today XX/XX/2021 I got another email from experian stating XXXX XXXX checking account has been opened in my name also. How is this possible if I had security alerts and fraud securities placed on MY account? How is this possible. It means someone is allowing people to take out fraudulent accounts in my name. I'm very angry this happened. I need something done now. So again today, hours of being on hold with XXXX  and XXXX and again experian and they say my credit is secured? How someone opened another account in my name. Please helo
Product: Credit reporting

I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.
Product: Debt collection

My siblings, myself and additional family members ( XXXX people ) are being sued for a debt of a distant family member name XXXX. 

She was my grandmothers sister, who my siblings and I have never met. 

She lived in Florida ( we live in Maine ) and apparently she recently passed. 

Our mother passed 5 years ago and is also listed on the court document. 

An attempt to serve me ( at my husbands home, where I do not live occurred ), but my XXXX siblings were also served, and all of my many aunts, uncles, and cousins. The gentleman who served the documents did not disclose who he was, did not give a card stating he was a sheriff. 

XXXX got sent back ( because i do not live at my husbands home ), but we supposedly have " XXXX '' days to respond or we can lose the case, our wages, money and property. 

My uncle states that XXXX was at the end of life and there were XXXX ladies caring for her that racked up bills, bought cars, etc. 

My siblings and I have never met this lady. We do not know her. We do not have any stake in, nor want any stake in her estate, etc.
Product: Checking or savings account

Stopped payment on check XXXX XXXX XXXX XXXX XXXX XXXX  ) and called to inquire if the check had been presented - knowing whether or not if I can pay the merchant without fear of a duplicate payment. 

At XXXX XXXX I called the customer service department of Bank of America XXXX and the request was too much for the agent to handle- and she went into overload and hung up on me!!! 

Nasty Nasty Nasty!!
Product: Checking or savings account

This is a follow-up to complaint XXXX, regarding account fees charged without notice to an account that had become dormant. In their response to my original complaint, FNB changed their story and admitted that they had not sent statements following the dormancy of my account. They admit ( though they denied it on at least two prior occasions ) that their policy is not to send statements for dormant accounts. Thus they can begin charging fees with no notice to the depositor. This can not be acceptable to CFPB, can it?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a letter along with documentation asking Experian to delete my old address and to update my credit report to the address that I lived at for the last six years ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX   ). Yet, I was advised by a CSR from Experian, that my profile had been mixed up with another individual and that my address was removed. I have been trying to resolve this issue with Experian since XX/XX/XXXX. In result, due to the negligence of Experian, I haven't been able to view my FICO Score on www.ficoscore.com, creditor 's have advised me that I don't have a credit profile with Experian, and I haven't been able to view a updated credit report.
Product: Mortgage

The loan was previously written off by another lender and/or servicer. Specialized Loan Servicing recorded a transfer last year ( XXXX ) and started foreclosure proceedings this XXXX ( XXXX ). This account has not been paid for over 16 years and I was told it was written off and it stopped being reported on my credit report that long ago. I have received conflicting information about the transfer and ownership of this loan. I'm now being charged all these years of interest and have a pending foreclosure sale date. I'm current on my fist mortgage which was modified over 10 years ago and at that time this second loan was not showing up on my credit or title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX : {$430.00} ; XXXX XXXX XXXX Balance {$770.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX  - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 weeks ago I received an alert of a collection account being added to my credit report. I've disputed it twice as I've never even heard of this company and after researching I found that this is a common practice from Vance and Huffman llc. They double report which is illegal and fraudulently put garbage on your report. I need this looked into as I've disputed and reported to multiple agencies and currently working with my attorney to file a lawsuit. The amount is {$270.00} and says original creditor is XXXX. Never heard of either of them original or secondary.
Product: Credit card or prepaid card

Below I have copied and pasted a fraudulent text message that was sent to my phone on XX/XX/2021 at XXXX XXXX. The link provided in the text message was identical to the Chase mobile app. After clicking on the link, I answered approximately six personal questions, thinking it was my bank verifying my identity. If I'm not mistaken, I might have provided my social security number. Unfortunately, days after I received this text message I had fraudulent activities on my bank account. A portion of my money was withdrawn from an ATM in XXXX, XXXX. 


Due to unusual activity, we have temporarily locked your Chase account. Please visit : XXXX XXXX XXXX Phone number associated with text message : XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request a thorough investigation into the inaccuracies present in my consumer credit report. Upon reviewing the document, I have identified several instances of potentially false, inaccurate, and non-compliant information that require immediate attention.

It is imperative that you understand the gravity of these discrepancies. Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the METRO 2 data fields. Any deviation from these standards is not only a violation of the law but also a breach of trust with consumers. 
I hereby dispute the following items listed in my credit report : - Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
- Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These alleged negative claims lack sufficient evidence to support their accuracy and compliance with legal guidelines. Therefore, I demand the expungement and deletion of all derogatory and adverse markings associated with these accounts. 
Furthermore, I insist on your compliance with the Fair Credit Reporting Act ( FCRA ) and METRO 2 reporting requirements. You are obligated to provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Failure to do so within 30 days will result in legal action, including but not limited to filing a claim in federal court. 
I want to emphasize that my intention is not to dispute ownership or responsibility for these accounts. Rather, I seek transparency and accountability in the reporting process. If you are unable to substantiate the claims made in my credit report, I expect them to be promptly removed or updated to reflect accurate information. 
Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to this dispute. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.