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

Experian is failing to report one of my accounts on my credit file. My XXXX credit card should be reflected on my credit file, however Experian has failed to report this card since XX/XX/XXXX. Details regarding this account are below : In XX/XX/XXXX I became aware of 3 fraudulent charges that were made in XX/XX/XXXX on my credit card. Upon discovery I notified XXXX to dispute the charges, and filed reports with the Maryland State Police ( MSP ) and the Federal Trade Commission ( FTC ) for identity theft. I then also notified Experian of the fact that I was a victim of identity theft and requested that that Experian 1 ) Place an extended 7 year fraud alert on my credit file, and 2 ) Send me a copy of my credit report. A copy of this letter ( dated XX/XX/XXXX ) is attached. 

In XX/XX/XXXX I received a letter back from Experian informing me that they had applied the extended fraud alert to my file, as well as removed the affected credit card from my credit file. I had never requested Experian to remove the account from my file, as the card was, and still is, a legitimate card in good standing. Experian appears to be unable to distinguish the difference between a legitimate account with fraudulent charges, and a wholly fraudulent account. 

Since XX/XX/XXXX I have continually engaged with Experian in an attempt to have my account restored to my credit file. I have sent 5 letters to, and placed numerous calls with, Experian ; however they have refused to restore this account to my file. I have also engaged with the issuer of the credit card ( XXXX XXXX, and had them submit multiple reinstatement requests and letters to Experian stating that the account is open, current, in good standing, and should be reporting as a part of my credit file. A copy of one of these letters from XXXX ( dated XX/XX/XXXX ) is attached. 

In response to many of my requests, including my last correspondence in XX/XX/XXXX, Experian has informed me that other items disputed are not currently displaying on your personal credit report, see attached letter to Experian ( dated XX/XX/XXXX ) and their response ( dated XX/XX/XXXX, 1st page only ). Apparently Experian can not figure out that I am disputing the fact that the account is not displaying. 

I do not know how else to have Experian restore this account to my credit file, I have requested numerous times via letter and phone call to have it restored, had the account issuer submit a reinstatement request and tell Experian that the account is legitimate and in good standing and should be reported. I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) in hopes that it will finally resolve this 2 year problem with Experian.
Product: Debt collection

I filed a dispute with Citi Bank in XX/XX/XXXX which resulted in an update with the credit agencies in my favor regarding a debt discharged in chapter XXXX Bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming this update. A month later I receive a letter from Regulatory Complaint Specialist H. Mounted reversing that decision because my Social Security number and And address didn't match. I had two social security numbers which is why the Bankruptcy Court attached a declaration stating such, which was attached to the complaint and forwarded to Citi Bank and will be attached again. My address does not have to match as I am an American and free to move about as I please. Please review the documents carefully as to not make a judgement in haste. The United States Bankruptcy Court made a decision and it should be upheld. This is causing much stress in my life and would like to move on as soon as possible from this ordeal. This is having implications on me obtaining employment and providing for my family Thank You XXXX XXXX
Product: Mortgage

XX/XX/XXXX I called Shellpoint Mortgage to inquire about getting rid of PMI payments. I was told that I would need to pay for an appraisal at the cost of {$400.00} to determine the value of my home. On XX/XX/XXXX I sent a written request to Shellpoint requesting a home appraisal. Shellpoint ordered the appraisal and the home appraisal was completed XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I called to inquire about my appraisal. I was told that a fee of {$620.00} was due for the cost of the appraisal, and only after that fee was paid I would get the results of the appraisal. I asked why the appraisal fee was so high and was told that they could not give me that information, nor was there anyone who they could forward me to who could. I also inquired about the bill that I never received for the appraisal. I was told that the bill would be on my XX/XX/XXXX statement. 
My first concern is the cost of the appraisal. The going rate for appraisals on a single family home ( my home at less than XXXX ft. ) are {$300.00} to {$400.00} at most. I do n't know why they are charging me {$620.00}. My second concern is that my appraisal was completed XX/XX/XXXX, if they are sending me a bill XX/XX/XXXX it looks like they want me to continue paying PMI at least 3 months after my appraisal was completed.
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Amsher Collection SE XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Formal Dispute of Debt Request for Validation Dear Sir or Madam, I am writing to dispute the collection account reported by Amsher Collection SE on my credit report. The details of the disputed account are as follows : Creditor Name : XXXX Collection Agency : Amsher Collection SE Account Balance : {$150.00} Date Opened : XX/XX/year> I do not recognize this debt, and under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written validation of this account, including : 1. A detailed breakdown of the debt amount.

2. The original contract or agreement with XXXX that shows I am responsible for this debt.

3. Proof that Amsher Collection SE has the legal right to collect this debt.

If you can not provide this validation, I formally request that you remove this collection account from my credit report immediately. If this debt is being inaccurately reported, failure to correct it may be a violation of federal law. 

Additionally, please cease all collection efforts until proper verification is provided. 

Please respond in writing within 30 days of receiving this letter. Failure to do so will be interpreted as confirmation that you can not validate the debt, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and state regulators. 

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

On XXXX XXXX American Express has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX has verified that information that is reporting to my credit file is correct. Which indeed it's not correct all three are reporting inaccurate dates, months, account description and Credit limit. These accounts aren't reporting the same information this has been verified then I request Under Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This not an update of my credit report but a deletion. These three Bureaus are refusing to remove these inaccurate accounts that aren't reporting correctly.
Product: Checking or savings account

the bank CHASE closed my account and i dont know why? but ok int he contract say the bank can close the account when they want, it is ok for me, but they not return my money and anyone say me anything, i callin every week and only they say i have to wait it is happen about 3 months ago, since XXXX XXXX and they have XXXX dollars mine
Product: Payday loan, title loan, or personal loan

Fraud, scam and false reporting to XXXX about a false debt owed and breach of contract. 

In XX/XX/XXXX l opened a merchandise account and canceled on XX/XX/XXXX by returning the product through XXXX  to avoid charges and stopped all fees and rental. They then closed the account with out fees and rental meaning I didn't owe them anything based on the retun policy in the contract and proven through 20 email correspondences.On XX/XX/XXXX Acima was on my credit report stating I owe them XXXX willfully knowing it was false reporting.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear KOHLS/CAPONE, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Revised Statutes regarding identity theft and fraud.

It has unequivocally come to my attention that KOHLS/CAPONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Missouri 's identity theft statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for KOHLS/CAPONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand that KOHLS/CAPONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KOHLS/CAPONE will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

See attached. Names are inaccurate. Can't dispute online. Old accounts from 2015 reappearing on credit report. Phone numbers listed not mine. Aliases not mine. Unable to dispute inquiries ( soft/hard ) online, that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts and inquiries have been added to my Experian credit report without my authorization : Fraudulent Account : XXXX XXXX XXXXXXXX ) Fraudulent Inquiries : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 I never applied for or authorized these accounts or inquiries, yet they remain on my credit file despite my previous disputes. I have attached my FTC Identity Theft Report and government-issued ID to confirm that this activity was fraudulent.
Product: Debt collection

Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report in XXXX I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up XXXX in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX in the amount of XXXX dollars Account Number : XXXX thief created an falsified email, home address, phone number and also made payments to legitimizer the fraudXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

In the previous response to the complaint, the company, First Advantage Corporation said that it revised the report to correct the error. However, I received the report today, and it has the same incorrect information. Under driving history, under accidents it says there was a " conviction date '' of XXXX. However, the driving abstract from the state simply says the accident was posted on that date. There never was a " conviction. '' Attached is the driver record again.
Product: Student loan

XXXX University has received my student loans and financial aid which has paid for my classes. But they are holding my refund amount. They won't tell us ( other XXXX students ) what the real problem is and they keep giving us the run around. Something needs to be done about this. Because that money is mines and i have to pay it back so they need to give me whats mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a few charges expunged about a year ago, and they keep popping up on Checkrs background check.
Product: Credit card or prepaid card

I had a refund on my charge card, in turn I transferred a portion of the refund amount to my checking. Days later I saw there was a cash advance fee of {$27.00}. 
Why was I charged a " fee '', when using my own money? 
XX/XX/23 Spoke first with XXXX then with XXXX with Truist. XXXX submitted form to have the cash advance fee removed. I checked back on Thursday ( same week ). The fee had not been removed. Informed by XXXX on XX/XX/23 that fee could not be reversed. I submitted a letter to the Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed many letters to XXXX, Transunion and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a house.
Product: Money transfer, virtual currency, or money service

I received 400 dollars as payment for work done in my PayPal account on XXXX XX/XX/2022 at XXXX am ( EAT ). 
I was very excited, as we were really waiting for the money to buy food for our children and take one of our daughters to the hospital. 
When I logged in to PayPal to withdraw my funds, I was asked to first provide some more information, including my ID or Passport photo and proof of fulfillment for the two latest transactions ( at XXXX am ). 
I gladly obliged and gave them all the information required of me, and was very careful to make the passport photo very clear and the receipts for the transactions legible. 
At XXXX am, I received an email from Paypal saying my information is being reviewed, and once they complete their review, they will get back to me regarding the status of my account in 3 business days. 
At XXXX pm, XXXX XX/XX/2022, I received an email from Paypal saying I can no longer do business with PayPal, after a review, they decided to permanently limit my account as they found potential risks associated with it.
Product: Money transfer, virtual currency, or money service

ON XX/XX/2023 I put in a dispute on Coinbase for 8 four unauthorized charges of XXXX from XX/XX/2023, until XX/XX/2023 I have contacted Coinbase on several occasions last month and the month before for a refund of unauthorized charges. They said they had a problem refund my money due to a system error but they would refund it. They never refund the money so then I contacted my bank XXXX by XXXX XXXX, and put in a dispute and my bank restricted my account, which left me with no access to my money I feel my bank did not support me as a customer with zero fraudulent no tolerance due to the fact XXXX by XXXX XXXX, and Coinbase, our partners in the financial department that right there is already discrimination and discriminatory. However, I'm requesting that they pay me for those unauthorized charges that took place, and after putting in the dispute, they made anothe debit XX/XX/XXXX for XXXX so obviously XXXX by XXXX XXXX did not handle their business with Coinbase due to the fact your partners correctly and fairly I feel I was not treat ] fairly to ther terms and agreements
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX Account # XXXX has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from trans union and XXXX XXXX never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Product: Debt collection

This collection agency is claiming I owe a debt to XXXX. The whole World is in the Covid 19 Pandemic and this company sent me a letter stating a have to pay a debt I do not owe