23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. My company is XXXX XXXX XXXX XXXX. I am a subcontractor for the XXXX government entity XXXX XXXX XXXXXXXX. My company is lacking funding for major projects that I have submitted bids for.. I have gotten denied for lines of credit, loans and credit cards due to negative reporting by Experian XXXX XXXX. 

Ive submitted a dispute on XX/XX/XXXX. ( Exhibit XXXX ) Ive attached XXXX emails from Experian on XX/XX/XXXX and XXXX, XXXX ( Exhibit XXXX & XXXX ) that my disputes were still in progress.I was expecting a thorough investigation by XX/XX/XXXX. After XXXX days I received an email on XX/XX/XXXX still in progress ( Exhibit XXXX ). I didnt get any more updates, so I called Experian support on XX/XX/XXXX XXXX ; XXXXXXXX XXXX. ( Exhibit XXXX ) I spoke with a XXXX named XXXX. He advised me that my dispute was open, closed and modified by Experian specialists on XX/XX/XXXX the exact same day it was received.. There was no investigation ( Exhibit XXXX, XXXX ) XXXX XXXX, late payment was not disputed, completely ignored this request. I told XXXX, I received an email on XX/XX/XXXX its still in process. He stated you could not have received an email because we never submitted your request to the creditors because you have submitted these disputes before. ( Exhibit XXXX ). XXXX could not explain to me or understand why I was receiving emails on a closed dispute that never moved forward.. He took my name and number for a callback from a supervisor. I received no call from a supervisor. I called back on XX/XX/XXXX and spoke with XXXX around XXXX ; XXXX p.m to speak again with a supervisor. I was placed on hold for XXXX minutes. She came back and requested my name and number again stating I will get a call back within XXXX hours. XXXX suggested I can start a new dispute.I replied, you're in violation of my rights..This is an illegal deceitful tactic Experian has adopted not to address disputes, when disputing with laws. ( Law -15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) I have not received any updated results or reports after XX/XX/XXXX which was their last correspondence. .As of XX/XX/XXXX I have not received a callback from a supervisor either. I have waited over XXXX months for results that have never been investigated. Experian has done me.and my company a disservice. This illegal tactic has set my business back with a major loss in revenue. 

I would like Experian to provide CFPB evidence of the investigation on or after XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX already called the company and told them it wasnt him and that it was probably a result of identity theft. XXXX has no knowledge of the account until it showed up on his credit report and he is willing to file a lawsuit. XXXX claims it is ruining his credit score and his financial stability and would love to have it removed from his credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i received notificaitons from several different credit monitoring applications i use that a hard inquiry from PP/sync had appeared on all 3 of my credit bureaus. I contacted the creditor and learned that some type of online had been approved for me in the amount of {$750.00}. I informed them that I DID NOT apply for any form of credit with their company and that this was a fraud. They advised me that the line of credit was opened online and that my name and ss # were used however the address and phone did not match mine. He assured me that the line of credit had been closed furing our call, and it had not be used as of yet. He stated that they would begin a full investigation. I immediatley contacted all 3 bureaus and put a credit freeze and fraud alert on my social. 3 days later XX/XX/XXXX I again begin receiving notificaiton from my credit monitoring companies. The account had begun reporting on my bureau with a {$30.00} balance dropping my credit score significantly. I called back to learn that the first fraud specialist i spoke with had actually NOT completed my claim and the account was not closed. Now for the second time, I'm to trust that this creditor is handling my dispute properly
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$81.00}
Product: Debt collection

XXXX XXXX XXXX is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. XXXX account number is XXXX. This is the same item that I disputed and filed a complaint in XX/XX/XXXX Re : CFSB Complaint # XXXX ... Commonwealth Financial Systems. I sent an email to XXXX XXXX on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
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 Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX  Account number XXXX has violated my right. 


15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions. 15 U.S.C 1681 c. ( 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Second filed complaint, original file number XXXX has not been resolved. Dovenmuehle Mortgage has provide false information regarding the details of my escrow refund. Supervising agents information is not inline with company 's response and no refund has been received. Each communication with Dovenmuehle Mortgage has been consistent and has shared miss leading and false information regarding refund payment. 5 months is NOT compliant with RESPA regulations.
Product: Debt collection

I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX un the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to you in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to dispute certain information contained in my credit report. 

I am disputing the accuracy and completeness of the accounts listed below. 

I have recently obtained a copy of my credit report from XXXX and have found that it contains inaccurate information. Specifically, unauthorized inquiries on my report, because I did not make or authorize these inquiries. My credit report and denial letters are evidence of the inaccuracies. The inaccurate inquiries are as follows : 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 Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that XXXX conduct a reasonable investigation into the disputed information and correct any inaccuracies found. I also request that you provide me with written confirmation of any corrections made to my credit report. 

In addition, if any of the disputed information relates to a debt that is being collected by a third-party debt collector, I request that you notify the debt collector of my dispute in accordance with 15 U.S.C. 1692e ( 8 ).

If this matter is not resolved to my satisfaction, I may be forced to consider further action, including initiating arbitration proceedings in accordance with XXXX 's arbitration program. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received an email from Citibank that I would receive XXXX Thank You Points toward my account if I referred my friend to a Citi Premier Card with the stipulation that he spend {$500.00} in the first few months of that card. I referred a friend and he was able to reach that required amount of spend. It has been roughly four to five months since I have referred my friend to Citi and they have yet to give me my promised XXXX Thank You Points. I want my promised points, I'm tired of calling in. My case has been documented all over Citi bank account.
Product: Debt collection

This company is claiming to be a third party debt collection agency for a debt that I owed to a different company for an Installment loan. I have hired a law firm to settle the debt with the original creditor. I have received many phone calls from a woman claiming that she can settle my debt for a fraction of the original amount. I have told her multiple times that I am handling this through a law firm and that I do not wish to receive calls from her any more. I have researched the company she claims to represent and have found many scam reports associated with her calls. She has also called my parents home number and my brother 's cell phone in attempts to get in contact with me after I have ignored the phone calls.
Product: Checking or savings account

I used XXXX for transportation on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX pulled funds out of my Bank Of America Checking account. This is NOT an account I associated with XXXX payments. The only payment listed in my XXXX account is XXXX. I may have had my banking information listed in the past, but it has changed as of 2 years ago. I do not know how XXXX got a hold of my bank information as I already " erased '' it from their system. It is very troubling. I called XXXX. They have no documentation of payment request from XXXX on those dates. I called Bank Of America. I was told XXXX pulled the funds out and to call them directly. I don't understand why an unauthorized transaction would go through? XXXX DOES NOT have a customer service phone number or email readily available to contact them. Please refer to a copy of my bank statement for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I checked my credit report via the online Experian credit reporting site. At that time, I was aware that I would be charged XXXX dollar for a on-line copy of my credit report. While checking my credit card statement, I found that I had a recurring charge of {$21.00} charged to my account on XX/XX/2018. I have attempted to contact Experian at the number provided ( XXXX ) multiple times, but after following voice prompts am left on hold without anyone ever picking up or answering. 

I never agreed to this service, nor did I request it. I am unable to contact anyone so I that can cancel the credit monitoring service. Experians business practices and default auto enrollment in their credit monitoring service is deceptive and unethical. I would like the charge for the credit monitoring refunded and the service terminated.
Product: Checking or savings account

Hello, Wells Fargo charged my {$35.00} x 3 because of transactions that I was not well informed on and I tried to stop them and ask questions but they didn't provide much direction on what I was supposed to do so I ended up searching for other ways. 

They should have guided me in the right direction but fell short and it totals up to {$100.00}. Which is a ton of money right now that was all the money I had. Then I called and they were being rude towards me and giving me the cold shoulder. I've been a customer for 5 years plus and they said their system wouldn't be able to generate any of the money back into my account. Really??! You can give me anything back of the {$100.00} that they took from me during a pandemic and financial struggles. I wasn't fortunate enough to get a stimulus check either so I was already down on my luck. 

I'm requesting a reimbursement for my {$100.00} and proper guidance on how this can be stopped from ever happening again. Also I want my money with the contingency that I'll still have an account open with Wells Fargo after. Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$570.00} TD bank target, disputed for different account information on separate bureaus they refused to delete.
Product: Debt collection

I informed them that I am not aware of the debt they are trying to collect and I need documentary evident from them to show that I owe that money
Product: Checking or savings account

I noticed on XX/XX/XXXX that my checking account had disappeared from my mobile app. I tried calling Citibank on XX/XX/XXXX and asked about my account and the first representative I spoke to was very rude and hung up on me. I called back and was transferred to the fraud department. The fraud representative verified my personal information and read a canned response that essentially said that my accounts were being investigated for fraud, they've determined there is a security threat and all of my funds were being held for XXXX days depending on the outcome of the case or go visit your local branch in person to see if you can get your money faster, then he said thank you, goodbye and hung up. I wasn't given a chance to speak, they didn't explain what the security threat was or why I was being investigated for fraud. 

I started a new business one month ago and when I did, I visited a citi bank and let them know I wanted to use my citi bank account for my business and I'd like to transition it to a business account. They said I would be fine with how it was if I was not writing checks out of the account. I made the first two check deposits and they froze the money and closed my account. I am really frustrated as I just went through my new company launch event and spoke to all of my customers and gave my wire instructions to those that will pay electronically and now I have to go redo all of that less than a month after starting my business because citibank is not responsive and won't answer any questions. I am afraid this will have reputational impact on my company when I've done everything citibank has asked and they still did this.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing again to request a reasonable and more affordable loan modification for the property at XXXX XXXX XXXX XXXX XXXX, MD XXXX. In response to complaint ID XXXX and XXXX. 

When offered the new loan modification, my gross income before taxes is {$2500.00}, after taxes my net income is {$1700.00} as a full-time employee. I am currently still on short-term XXXX and my estimated return to work is now XX/XX/2023, whereas my current gross is {$1700.00} and my net is {$1100.00}. 

Based on my current expenses and the new loan modification {$1800.00} with the increased interest rate of 3.375 % to 6.875 % is not affordable per month, I asked that you alter my previous payments to the original monthly payments of {$1400.00} using the existing unpaid principal balance of {$150000.00} and not the new modified unpaid principal balance of {$170000.00} of {$1800.00} per month in payments. Aside from the interest rate and outstanding balance due what other factors were used to determine my new modified monthly payments? 

I can be contacted at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries On My Account. Cant Get In Contact With Anyone From Experian.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Michigan XXXX XXXX XXXX has on my credit report that its a charge off of {$350.00}. I havent received any XXXX or any other forms about this charge off also I payed the {$350.00}. Please investigate this account. Its hurting my credit years later after I paid it off and the company lied by writing this off.
Product: Checking or savings account

I received {$200.00} as savings account bonus for a promotion by Chase in XX/XX/XXXX. The bank reports this as interest income on XXXX XXXX. However, for the last year they didn't send me one. When I called them up on phone, on multiple occasions the representatives gave a false reply that they don't report this on a XXXX XXXX even though my husband received a XXXX XXXX  for the exact same promotion in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  XXXX Balance {$7200.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down for credit, when I contacted XXXX and disputed they told me to wait 40 days. I have no credit until then. If I need a home repair or my car breaks I would be stuck. My dispute # XXXX. Please help me
Product: Debt collection

Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.