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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX 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. 




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, credit repair services, or other personal consumer reports

Recently I received correspondence from a collection agency ( Convergent Outsourcing ) regarding an alleged {$360.00} debt owed to XXXX. This is not a valid debt. 

On MXX/XX/XXXX, XXXX mistakenly initiated an electronic financial transaction debiting my account at XXXX XXXX in the amount of {$18000.00}. My account was locked down as a result, and I was unable to pay my other bills. Despite the fact that I repeatedly contacted XXXX regarding their mistake immediately after the XX/XX/XXXX debit, XXXX again attempted to initiate an electronic debit from my account in the amount of {$18000.00} on XX/XX/XXXX. 

As I had after the first improper debit, following the second transaction I called, texted, and visited XXXX local office in person. Because of these improper actions by XXXX, I was forced to cancel my direct deposit into my bank account, to purchase money orders to pay some of my other bills, and I had to spend a great deal of time and energy resolving other issues related to the improper debits. Shortly thereafter, I cancelled my cable service through XXXX. After speaking with the several individuals, including the manager, I was assured that my account with XXXX held a XXXX balance and that I owed no money to XXXX. On XX/XX/XXXX while visiting the local XXXX office to verify that I owed no money to XXXX, I reviewed my account status with XXXX representatives and was again assured that my account held a XXXX balance. 

Then this spring, I received a notice from Convergent Outsourcing seeking to collect {$360.00}. This is not a valid debt.
Product: Debt collection

Well this happened in XXXX XXXX 2016 and i was working and my boss needed me to get some materials so i took the work truck. On my way to work i accently rear ended a lady, nothing too bad just a back bumper and the left taillight were damaged from what i could see. I contacted my boss and he spoke with the lady saying he would take care of it and he would pay for the repairs. So thats exactly what happened like XXXX 3 weeks later he told me he payed XXXX for the repairs and stuff and she took her car and left. She didnt contact him anymore or anything and when i went to court a month later she wasnt there either. I payed my court fees and that was the end of that .well i thought so until i receice a letter from XXXX stating that i crashed XXXX of their customers on XXXX XXXX 2016 when it was on XXXX XXXX 2016 and it stated that i owed an amount of {$4300.00} for crashing her and to add my insurance agency details i added my boss 's insurance company instead since i feel it was his vehicle that wasnt insured i dont get why my insurance agency needs to be contacted.so i sent the letter and like 3 weeks later i get a letter from collection saying i still owe those {$4300.00}. Im really confused and kinda mad as to why i need to pay this debt when first of all my boss payed her costs and why am i bearly getting this when this happened 5 months ago. I kind of think she 's trying to get money out of this situation since im guessing she didnt report it at the crash scene. Whatever the case is i shouldnt be paying all this money i feel that this debt should n't exist
Product: Checking or savings account

I deposited XXXX $ into ATM number XXXX on XX/XX/2023 at XXXX XXXX. The atm malfunctioned, took the XXXX $ and spit back out my debit card with a receipt stating, We are unable to process your transaction due to a technical problem. If your items were not returned to you, please visit your nearest regions branch. They gave me a provisional credit of the XXXX $ the next day, stating they would investigate the claim. The sent me a letter in the mail stating that the ATM was counted and the balance was correct, basically telling me that I didnt deposit any money, and that they didnt believe me. So the XXXX $ was taken back out of my account. I have tried numerous times to see the atm footage, but they refused to show me anything. At this point regions is basically stealing XXXX $ from me. I have a long history with them of large cash deposits. Now I am worried I wont ever get the $ back, and they have done nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX. XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/22 I deposited a check for {$9400.00}. However, my bank ( Wells Fargo, N.A. ) put a hold on my account for {$18000.00} ( twice the check amount ). When I called and spoke to a banker and then a supervisor, the supervisor said that putting a hold on for twice the amount of the check was not an error, but rather that it " is all part of the process. '' In the screen shot I'm attaching, you will see the deposit of {$9400.00} and the hold for {$18000.00}. I want to know why a hold was placed on my account for twice the check amount, and not just for the amount of the check.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Upon reviewing my credit file I noticed a derogatory mark stating that I was pass due on an account from XXXX with a XXXX balance. I send all three bureaus validation of debt letters along with a request for a method of varication. They sent me a letter stating the account was verified as reporting accurately. I contacted the original creditor and was told that my balance was XXXX balance. I also noticed that all 3 bureaus were reporting 3 different open and close dates. According to the original creditor the open date was XX/XX/2015 notXXXX2015 per XXXX  and not XX/XX/2015 per XXXX and Equifax. If they actually completed a through investigation then why is the reporting information different from the information the original creditor has provided me. Due to the apparent neglect of my credit file. I would like this account completely removed from my file immediately. This is a major violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote a letter to XXXX/Dept of Education asking them to remove the late payment from my credit report on a good faith adjustment. They never responded to me. On XX/XX/XXXX, I wrote the first letter to Experian to dispute my report as well as sent them the information showing that XXXX received my letter and documentation and never responded. When the investigation was completed, nothing had been changed. On XX/XX/XXXX, I wrote my second letter to dispute false reporting on XXXX because it is being reported that I was current XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but 90 days late in XX/XX/XXXX. When I received notification that the investigation had been completed, once again nothing had been changed. 

I am filing a complaint on Experian. Based on the Fair Credit Reporting Act, they are responsible for reviewing the accuracy of the disputed item and that has not happened.
Product: Credit reporting or other personal consumer reports

I provided FTC ID THEFT REPORT to Experian to block XXXX XXXXXXXX XXXX XXXX XXXXXXXX. They blocked it but claimed that creditor sent information to certify the account and they added the account back to my report. 
According to FCRA ( 15 U.S.C. 1681 et seq. ). when a credit reporting agency receives a completed ID THEFT report it must block the information from the credit report or it must provide the consumer the supporting documents used to not block this account. I was not provided with any supporting documents that this account belongs to me, no evidence was provided.
Product: Debt collection

I have requested documents regrading alleged debt XX/XX/year>, XX/XX/XXXX and last letter sent XX/XX/year> requested history of payments and how paid requested a copy of contract with signature of the person who guarantee debt i request insurance claim information that was claimed in this debt i requested copy of chain of title from them that if they were not original creditor showing they have title to collect i asked them to remove information off all three reports they are reporting the same debt 3 times caused a spike in my score they reported LVNV a debt for {$1100.00} {$1400.00} same acct information they just posted twice in my report they reported under Resurgent a debt for {$1100.00} this is the same company LVMV and Resurgent same company reporting on my credit report multiple times caused me three drops in my score Thats illegal, all they did was put different dates they claim i open acct with them and posting to my report as if i am in a contract with them listing monthly payments i have no knowledge abt as if its a active acct they have caused me so much trouble and denials I asked the credit bureau to remove and filed disputes they just said investigation closed without any proof Ignored my request as well
Product: Credit card or prepaid card

Earlier this summer, my wife and I were planning to fly to XXXX on our first vacation in five year years. We have been saving for some time for this trip, and unfortunately, due to COVID-19, we were unable to fly to XXXX as all domestic travel was grounded. 

Our airfare was {$2100.00} and we have uploaded the supporting documentation to Discover Card Services, which they requested that the airfare was handled by XXXX XXXX. XXXX XXXX, who we booked the travel and airfare insists that the chargeback was sent to Discover, and Discover claims to have no record of it.

First, Discover stated that they in fact did have the money, but we needed confirmation it was not to be sent back to XXXX. Then, Discover claimed we needed to provide proof that the {$2100.00} was in fact for airfare. Then, Discover claimed we needed to provide proof that we had requested a refund from XXXX. Then, Discover claimed we had to provide proof that XXXX did not have our money, which amazingly, XXXX was able to provide in the form of written documentation. Then, Discover claimed we had to provide proof that we were due a refund in the amount of {$2100.00}, which we were able to provide. Then, Discover claimed we needed to provide this proof not through our travel agent, who booked the airfare on our behalf, but through XXXX, which we were able to do through proof of a partial refund for other expenses. At each point, we have requested the same thing, the {$2100.00} charged be removed. At each stage Discover has refused to comply. 

Please intervene to remove the charge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information
Product: Debt collection

I keep receiving daily emails from LVNV FUNDING LLC, which I dont have a contract with & I dont know who/what this company is. Its to the point where I feel harassed. Dispute reason contract cancelled as I dont have a contract. Please remove from credit.
Product: Credit reporting

TransUnion ( TU ) does not have my XXXX account XXXX listed in my credit report or history. This issue has been going on for over a year. My XXXX has proven to me that they have sent the proper documentation to TU. TU evades and comes up with excuse, many unfounded. It appears to me that TU is trying to coerce my XXXX into a contract. The last discussion I had with TU the representative said my XXXX would have to get in touch with the local TU Marketing agent to correct my account yet he would not provide a name or phone number! 
My account is otherwise correct and shows another XXXX account I have with another bank. If I can not get this issue resolved I am going to see if the NM XXXX or the NM XXXX will take it up. 
TU is subjecting me to higher insurance fees because TU is not properly showing my credit history.
Product: Mortgage

We closed on our loan in XX/XX/2015. A short time later it was sold and started to be serviced by Ditech. That was the beginning of the worst customer service experience of my life. When our property taxes were due, I checked my account and saw that they were not being paid. Of course, the money had been escrowed on time but no payment was being made for taxes. I sent an email to their customer service to find out what was happening. I got a standard letter within a week telling me they would look into it and I could expect an answer within 30 days. I tried waiting patiently but as I checked my account with the town, I saw interest starting to be added because the payment was so late. So, this time I called the customer service number and after being transferred a few times spoke with someone in that department. 

The rep told me that they were n't being paid because my town needed to send them something to prompt payment and once that happened, they would be paid. So I checked with my town and they told me the same thing was sent to Ditech that is sent to all other mortgage servicing companies. Here we go. I call Ditech again and have to start all over as they do n't seem to have record of my previous inquiries. What happens next? I get another form letter exactly like the last one telling me they will look into it. Still no tax payment and interest keep getting added. Again, I try to wait but my husband ends up calling and finds out that from who he talked to that the problem was that our account was not set up correctly. It was marked as a " self-pay '' for taxes even though they have been collecting our money for escrow every month. OK, so mistakes happen, I just wanted it fixed and to get those taxes paid as we were now a few months late. 

I contacted the town again and told them what was happening and they told me they would let me know once they received payment. Great. Payment was finally made but Ditech used my escrow money to pay the interest that had accrued from being so late!!! What?? They made an administrative error in setting up our account yet they used our money to correct their error? That is just unacceptable. So, my husband called again and the rep he spoke with that time told him she saw everything in their system and she would put the request in to refund us the money taken from our account to pay the interest. Great, that is all I wanted. Weeks go by and nothing. 

Finally, my husband called back and they said the request was denied. Seriously??? So I sent one final email because I wanted it in written form and told them how miserable their customer service was and that I would give them 14 days to make this right or I would begin to explore other avenues to file a complaint. What do I get? Another form letter to tell me they would look into and I would have a response within 30 days. That was in late XX/XX/XXXX and it is now XX/XX/XXXX and I have gotten no refund and no response. They have got to be the absolute worst in customer service I have ever seen. It is unfortunate you can not choose who services your loan because if you could, I would not go near this company ever again.
Product: Debt collection

Midland credit Management contacted me XXXX XXXX regarding an account that has not been paid in full. My ex-boy friend XXXX XXXX purchased a bedroom set solely in his name at XXXX 's XX/XX/2016, who is now diseased. XXXX years later I receive a call from Midland Credit Management for the balanced owed telling me it was in my name. I sent them the proof of purchase and his Autopay Account with his information. I am reporting theft of my Social Security, I did not give anyone my so Social Security number for this purchase.
Product: Credit reporting or other personal consumer reports

REQUEST FOR DELETION OF CHARGED OFF ACCOUNT. 

DEAR XXXX I am writting to request the deletion of inaccurate information from my credit report., .the account in question is listed as XXXX Auto loan. acc number ending in XXXX was charged off in error. 

under the fcra. section 611 ( a ), consumers have the right to dispute inaccurate information of their credit report .include the balance and charge off status, do not accurately reflect my credit history .I request an immidiate investigation and deletion of this erroneous account to ensure my credit report remains fair and accurate. 

please confirm the deletion of this account at your earliest convinience
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX ). Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. XXXX disputed the accounts again to have the comments removed. 


I disputed the Bank of America account on my report since it reflected as 60-80 days past due, a past due amount of {$210.00} ( supporting document # XXXX ). Bank of America was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, Bank of America updated my report, removing the incorrect information ( supporting document # XXXX ). However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, The Bank of America account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with Bank of America, and they state that they updated XXXX that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.