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

I am writing to file a complaint against a collection agency, Experian, XXXX XXXX, and XXXX Credit Bureaus regarding reporting inaccurate information and providing fraudulent credit information. This disputehas been filed 4 times for a Collection Item from [ XXXX XXXX XXXX ] This is inaccurate because, the amount listed as a debt was paid in full to the original creditor ( XXXX in XXXX XXXX XXXX on XX/XX/XXXX. I have included a copy of the Move Out Statement from the original creditor dated XX/XX/XXXX that shows a balance of {$0.00}. I am requesting that this item be removed from my file. 

This is also inaccurate because, the balance owed of {$570.00} listed is wrong, as this was paid in full to the original creditor on XX/XX/XXXX. 

This is also inaccurate because XXXX XXXX has reported different amounts to the bureau weekly over 6 times between XX/XX/XXXX and XX/XX/XXXX. This amount should not be changed. 

I have forwarded the following documentation to the entities listed above to supporting my claim : 1. Letter to Experian, XXXX, and XXXX XXXX. 
2. Move Out Statement- Provided by the original creditor upon my move out. Listing the full payment of the amount owed of {$1100.00} dated on XX/XX/XXXX. I am requesting this be removed from my credit file or changed to reflect correct information. 
3. Resident Ledger-Provided by the original creditor showing a corrected balance listed XX/XX/XXXX. This was sold to XXXX XXXX as a debt 2 months after the move out statement was provided with {$0.00} balance owed. I am requesting this be removed from my credit file or changed to reflect correct information. 
4. Experian Credit reportingXXXX XXXX XXXX XXXXXXXX stated I paid the collection amount in full to them and have a {$0.00} balance. This is fraudulent. I have not paid any amount to I XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX
Product: Checking or savings account

My wallet was stolen and phone and the following transactions made it was a XXXX for me on XXXX XXXX. I didnt get my phone back to the XXXX of XXXX. Found out they were fraudulent charges made. Call my bank disputed them They also deposited a fraudulent check that I was told I wouldnt be faulted for and now theyre trying to tell me that everything is my fault
Product: Debt collection

They are trying to collect debt from XXXX which was never on my credit report history. They are also re-aging this account. They put it on my credit report and I am not responsible for it.
Product: Debt collection

The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.
Product: Checking or savings account

On XX/XX/2018 I spoke with a gentleman by the name of XXXX regarding my Serve account with American Express. This conversation took place at XXXX.

I asked him not to process a payment of {$160.00} that had been set up on bill pay as I had already taken care of paying the bill. He assured me that the transaction would not take place however it was sent it anyway and processed as a stop payment and I was subsequently charged a stop payment fee of {$50.00} from the town or XXXX. Again, XXXX  had told me that he had cancelled the bill pay and that the check would not be sent.

In short American Express Serve owes me {$50.00}.

Thank you for your assistance.
Product: Debt collection

In XX/XX/2021 I moved out of XXXX XXXX ' XXXX XXXX XXXX. In XXXX I received their Move Out fees, for {$1800.00}, which I promptly paid with a Cashier 's Check From XXXX XXXX XXXX XXXX. On XX/XX/XXXX the cashier 's check cleared through the bank utilized by XXXX XXXX XXXX. 

In XX/XX/2021 I received a letter from Pro-Collect stating that I owed {$1800.00} to XXXX XXXX XXXX. I informed them on XXXX XX/XX/2021 that the Debt was not valid, That I had filled for Chapter XXXX Bankruptcy and to contact my attorney, and as courtesy I provided them a copy of the trace provided to me by XXXX XXXX XXXX XXXX to the email listed on their website XXXX along with the account information. 

On XXXX XX/XX/2021 I received a notification that pro-collect " flagged my account as collections. '' I logged into XXXX XXXX to verify they had done so with other credit agencies.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under National Credit Systems and validation was requested on XX/XX/XXXX. On XX/XX/XXXX I reviewed my credit profile again as National Credit Systems had not responded despite the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. After this attempt the agency was also contacted via phone call, however I was informed that they did not have any outstanding balances that I was responsible for and escalated my concerns. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent a letter as well as documents for a verification and validation ( from the courts ) for errors listed on my credit report only to have them " verified ''. I myself have written the courts and received nothing. I requested from the credit reporting agency and again not received anything. 
I now am writing to formally lodge a complaint against the major credit bureaus ( XXXX, Experian, and XXXX ) for their continued listing of a bankruptcy on my credit report without providing any supporting documentation. Despite my repeated requests for verification and documentation, the credit bureaus have failed to comply, causing significant financial distress. 
I have contacted each credit bureau multiple times requesting verification and documentation of the bankruptcy listed on my credit report. 
Despite my efforts, the credit bureaus have not provided any documentation to support the continued listing of the bankruptcy. 
The inaccurate listing of this bankruptcy has severely impacted my credit score and financial well-being, causing me undue hardship. 
The Impact on Financial Well-being The continued listing of this bankruptcy has resulted in : Denial of credit applications Higher interest rates on loans and credit cards Emotional and financial stress I request the CFPB to investigate this matter and take appropriate action to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) by either providing the necessary documentation or removing the inaccurate bankruptcy information from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked Experian, XXXX  and XXXX  to take my XXXX account out of Dispute. It continues to be in dispute and everytime I call to get it removed it lowers my credit score. The account should not be on my credit report at all 32A district court dismissed this case
Product: Checking or savings account

Wells Fargo gave me the the total stolen for XXXX as {$56000.00} stolen. I ask to put the amount stolen in XXXX for a total of {$29000.00}. The total stolen was {$85000.00}.
Product: Vehicle loan or lease

On XX/XX/19, I purchased a used vehicle financed through Santander Consumer USA. I was informed the first payment will go out approximately 45 days from date of purchase. On XX/XX/2019, I received the first statement in the mail a few days after the statement generated. The statement reads bill due XX/XX/19. I went ahead and paid my first bill in XX/XX/2019.On XX/XX/XXXX, a second statement is generated by Billing Dept from Santander stating the bill owed for $XXXX due on XX/XX/19. Although it states current on the bill. The amount of $XXXX is not been applied for the bill due XX/XX/19, for which was paid on XX/XX/19.I called and spoke to an agent who requested I wait up to a week for the billing department to fix the mistake. After 6 days, I called and was told it has not been fixed. On day 8 ( XX/XX/19) I speak to an agent who finally understood the issue but failed to ignore my request to have a supervisor escalate the issue. On my screen in shows PAST DUE as in delinquent on the XX/XX/19 due date. After 30 minutes on waiting on the phone, I spoke with Supervisor named XXXX. She put me on hold and then said: "Because you paid your bill 30 days earlier, we applied that towards your principal."I firmly stated that this was not my objective but to pay my first bill as it was sent out 30 days earlier from billing department and now I am being punished for paying my first bill due. Clearly not a valid excuse on Santander. I demanded my payment be accredited to my account as there is only 1 bill due and I paid it already. I ask them to fix my account and get it right the first time. After another hold, she returned by stating they need another 3-5 days to fix the mistake. She stated the first agent put in a request for a due date issue and not the issue of the erroneous mistake made by their own billing department with regards to my new loan account. Once again, I am at their mercy to do what is right and fix my account to accredit the payment made in XX/XX/XXXX to reflect the payment due for XX/XX/19.This is not ethical nor a legal transaction that has occurred but rather an unscrupulous attempt to con me into paying off principal at their discretion and ignoring the first payment for the new auto loan. I would like to proceed and continue to file this grievance to the fullest extent of the law.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account NumberXXXX Account Name : ( Original Creditor : XXXXXXXX XXXX  ) XXXX Account NumberXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX  XXXX XXXX XX/XX/XXXX COLLECTION/CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Previous XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Consumer Loan

My husband and I purchased a loan in XXXX ... a XXXX XXXX XXXX. The car was with XXXX XXXX. Since XXXX, we have paid XXXX payments totaling {$11000.00}. I received a bill that listed my balance as {$13000.00}. I called Santander Consumer USA and was told my loan accrues daily simple interest and the payments I 've made towards the car was applied to interest. I still have XXXX payments to make on this car ... .this is disgusting!!!!! We are minorities that were desperate and needed a vehicle and were never told of the daily simple interest at the origination of this loan. I am convinced that this is a violation and NO ONE should be able to treat hard working Americans this way. We were treated like this knowing we had limited income and a poor score. This is taking advantage of borrowers.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

There is a XXXX  account on my credit report that is not mine. please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes hi my name is XXXX last year ago I have noticed several inquiries on my credit report from XXXX card. I gave them a call to let them know that it was fraud been done in my name and asked that they fixed the problem. They told me that they would but never have and this was last year some time in the summer of XXXX. So because they handle the situation properly I called XXXX and let them know of the situation what was going on. That it seems as if someone has stolen my identity, they did put a block on my social security number and also removed the XXXX card off my report. In XXXX of XXXX or XXXX I believe but here it is XX/XX/XXXX and it pops up again on my credit report. I have been rebuilding my credit over so I can buy me a house these hard inquiries keep putting a ding in my score. I'm really getting irritated by it cause it's getting out of hand my next step is to Laywer up and Sue XXXX card I'm trying to avoid going this route so can you all please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX. it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this account!!
Product: Debt collection

Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern i have 3 hard inquries from sync which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed several account disputes with Experian, XXXX, and XXXX  related to an incorrect account reporting on my Experian and XXXX credit file. 

Experian and XXXX is stating they have verified the information and no changing can be made, which is totally false. 

XXXX is stating they do not even show this account that is reporting. 

Experian shows the account from XXXX XXXX XXXX XXXX acct # XXXX as open on XX/XX/XXXX with a balance of {$2300.00} but a orginal balance of {$2000.00} I had all of my student loans consolidated with XXXX XX/XX/XXXX for the following loans account numbers and amounts for a grand total of {$9000.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$1100.00} It appears loan # XX/XX/XXXX did not update or reflect to show such as it is still showing open and late on my credit reports and Experian and XXXX refuses XXXX do their job to correct this.
Product: Credit reporting or other personal consumer reports

These charges are a result of fraudulent use of my information. I have filed an FTC report with the federal trade commission. I never received any goods or services from these charges. All is being investigated by the FTC.
Product: Debt collection

XX/XX/year> called me at work repeatedly this occurred several times daily. 
XX/XX/year> threatened legal actions if I didnt pay them. 
XX/XX/year> asked for written documentation that I signed stating I owed a debt. 
XX/XX/year> requested they cease all forms of communication except written to the address on record.
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. 



Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my ChexSystems Consumer Disclosure Report by phone more than once, following all instructions, including entering personal details and verifying my identity. It has now been over 30 days with no report received. I am also unable to access it online because the one-time verification PIN is being sent to a phone number I no longer have access to. ChexSystems does not provide a live representative or alternative method for verification, and this is making it impossible for me to access my report or address any potential issues.
Product: Debt collection

This past XXXX my husband called XXXX  XXXX  to inquire how much longer we had to be with them before we canceled and be penalized? I was standing in the room listening as their representative stated that we could cancel then without any penalty. He stated to package everything up and send. We did as he stated. Time has passed and now its XXXX and I receive a letter from Credence Resource Management that XXXX XXXX XXXX that I owe a huge amount ( {$230.00} ) and its delinquent. I disagree Totally!!!! I am striving every day to make my credit better and once again I hit a pitfall. We would have never canceled if he had not told us no penalty would be applied and why wait 4 months without receiving any billing statements?