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

Experian just responded and closed my complaint # XXXX in regards to an incomplete and inaccurate account reporting on my Experian account. The did not resolve or acknowledge my issue in the credit reports they I have attached. Experian also sent the same response for 2 different complaints which shows that it is an automated response and they did not do their due diligence in investigating and rectifying the issue. My complaint in regards to the account XXXX XXXX is clearly reporting 2 different ways on only 2 of the credit bureaus. Each credit bureau is required to report accurate and complete information. Experian request I write 100 word statement which details my dispute issue when in fact I have numerous letters/statements detailing my issue, even my last complaint listed at the beginning of this complaint. Experian is reporting this account in 3 different types of bankruptcies. No correct balance or financial information about this account. They are not reporting the correct and complete account number. Experian and XXXX  are reporting different dates the account was opened. This is clearly not complete and accurate information. I submitted copies of all 3 credit bureaus proving these errors and they are not being acknowledged and at this point I will start the litigation process if this is not resolved. I have been patient as well has diligent on getting the facts to prove my issues. Consider this once again as my 100 word statement to specify my dispute.
Product: Credit card

I reported transactions on the credit card that merchant did not provide service for and no subscription was in place. I filed this dispute in good faith to receive refund for these transactions. I am surprised that the credit card company did not go through with the dispute because they wanted additional information from me. I wonder what that means because I have no additional information to provided. The case number I have received this disappointing response from the credit card company are : Case number XXXX for {$7.00} ; XXXX for {$95.00} ; XXXX for {$7.00} and XXXX for {$7.00}. I even requested that they stop further charges coming from XXXX XXXX for {$7.00}, that they refused to do.
Product: Credit reporting

I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.
Product: Credit reporting

Recently a collection was placed on my credit report. It originally was from a fine in XX/XX/XXXX. Shortly after I made a judgement error and found myself in court ( XXXX XXXX ). I signed the deal XXXX. The deal included any and all pending items. In XX/XX/XXXX while still XXXX, a warrant was issued from lack of payment. I found out in XX/XX/XXXX and submitted a XXXX form with DA for demand for trial. They did not respond in time limit, so I filed a XXXX form, motion to dismiss. I have now gone to court by they will not open as they no longer had jurisdiction since my conviction, an deal, sincel XXXX XXXX, XXXX. I went to DA office they said they did not place the collections order and the warrant was removed. However there is no record that they were suppose to due of any of the motions, as it is handled by them and not the court. They not only also had no jurisdiction since XX/XX/XXXX, but the XXXX was a formal motion to dismiss all there claims. I have asked them to put a warrant back, so that we can go to court and they said they can not. Thus showing they have no authority and any fines and restitution were covered in my deal of XXXX XXXX, XXXX. It totaled {$700.00} and was paid years back while I was serving my sentence. This also shows if they had legal ability to any claims it would have been placed while I was serving my sentence. They suggested to go back to Public Defender for help. I did and since the file was closed in XX/XX/XXXX, and the courts, including DA no longer had jurisdiction since XX/XX/XXXX that they can not open any court days for me to address with the courts and the DA. I ask first who is the one who filed the collection. Again court and DA office said it was n't them. Second for them to show that they have they legal right to place that in my report.
Product: Student loan

I have tried over the years to see if I can get my cosigner released from my loans. 
My loan in nearly 20 years old and has never defaulted.
Product: Debt collection

SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I quit trying to work or contact this company. I co-signed for my daughter an automobile which she wrecked. At the time of purchase I paid for gap insurance and was assured that I would not have to pay anything in case of total/damage of the vehicle. 
Company started calling me about a balance. I called the dealership where I had purchased to insurance only to find out that they ( without contacting me ) has refunded to my  account any monies they had collected for premium since daughter had wrecked car. 
Every time Santander would call me I would ask for documentation regarding the {$1200.00} they were showing owed, regarding the wreck/settlement etc. They did all, did not contact me OR provide any documentation showing that I owed anything or the details of the wreck/settlement/insurance information that I had repeatedly asked for. 
When I told them to stop calling me, all further communication must be in writing, no notice from them ... ... .bam, on my credit and still being reported as of today even though they show it as a write off. 
Had I ever gotten the documentation request not only could I confirm the amount in question, if owed, it would have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number.

And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX.
Product: Debt collection

BULL CITY FINANCIAL SOLUTIONS , INC. is reporting false and inaccurate information on my consumer report. I sent BULL CITY FINANCIAL SOLUTIONS, INC. a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting. I gave them ample amount and of time to respond to validate the debt. BULL CITY FINANCIAL SOLUTIONS , INC. has acquiesced thru their silence and has failed to answer any of my questions. The account # XXXX is still showing on my consumer report. I sent them a NOTICE OF DEFAULT AND OPPURTUNITY TO CURE along with a invoice with FDCPA and Privacy Act violations and the never responded. This inaccurate information on my consumer report has caused me and my family severe harm due to negligence and inaccurate reporting. I, XXXX XXXX did not authorize, BULL CITY FINANCIAL SOLUTIONS , INC . I, XXXX XXXX do not have any debt an obligation to BULL CITY FINANCIAL SOLUTIONS , INC .
Product: Vehicle loan or lease

Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 C-2 ) that you Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of person credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX, XXXX  XXXX XXXX on XX/XX/XXXX under Account # XXXX, XXXX XXXX  on XX/XX/XXXX under account # XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity thefts criminal complaint # XXXX and proof from the US Federal Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I ordered a XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX for XXXX XXXX XXXX XXXX from XXXX XXXX I paid {$1100.00} for the XXXX using my Bank of America Visa Card. 
I received the XXXX on XX/XX/22. 
The XXXX listing stated that the seller accepted returns provided that the buyer paid for the return shipping. 
For reasons unknown to me, XXXX did not record the transaction in my XXXX purchase history. XXXX requires that the buyer select the item he wishes to return from the buyer 's purchase history. As a result, when I repeatedly attempted to initiate XXXX 's return procedure, I was unable to do so. XXXX replied to each of my attempts stating " We couldn't process your request because of a technical issue. Please try again. '' The seller originally listed the item as " Returns Accepted. '' Later, XXXX advised me that the seller was offering me a " partial refund of {$100.00}. '' After the transaction was concluded, the seller unilaterally changed the terms of the sale contract. 
I was unable to return the merchandise for the reasons stated above.
Product: Vehicle loan or lease

I am writing to formally file a complaint regarding Exeter Finance and their handling of my attempts to voluntarily surrender my vehicle and address the associated fees. I have faced significant challenges in receiving any meaningful communication or cooperation from the company, and I am seeking the Consumer Financial Protection Bureau 's assistance in resolving this matter. 

On XX/XX/year>, I sent a certified return mail letter ( tracking number : XXXX ) to Exeter Finance, clearly stating my intention to voluntarily surrender the vehicle and work collaboratively with the company to find a solution that would be mutually beneficial. Additionally, I included a request to address the outstanding fees in a reasonable manner. I still have the vehicle and will not surrender it without written communication from Exeter Finance. There have been too many issues in the past with relying solely on verbal communication with representatives. I also requested clear instructions on how to proceed with the surrender process. In conjunction with this written communication, I submitted an inquiry via Exeter Finances customer portal to further express my intention and seek assistance. In response, I was merely advised to call their customer service line. Despite following their instructions and making efforts to communicate, I have not received any formal written response or meaningful guidance from the company.

Furthermore, I included the return receipt tracking number ( XXXX ) as proof of

delivery for my certified mail communication, which shows that Exeter Finance received my correspondence. The lack of acknowledgment or response to my written and electronic communications is deeply frustrating and unprofessional. I am extremely disappointed with the company 's unwillingness to provide viable solutions to assist customers like myself. Exeter Finance 's interest rates are exorbitantly high, and they offer no meaningful support to retain customers or assist with financial hardships. Their apparent lack of communication and refusal to engage in constructive problem-solving only exacerbates an already difficult situation. I respectfully request that the Consumer Financial Protection Bureau intervene to ensure Exeter Finance provides a timely and comprehensive response to my inquiries. I am seeking a resolution that allows for a fair and transparent process to turn over the vehicle and address any associated fees without punitive measures. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX XXXX XXXX  Pa XXXX Acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX balance XXXX, XXXX XXXX XXXX Acct # XXXX balance 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I find it VERY strange that despite all the activities that took place on my credit report between XX/XX/2023 my FICO XXXX Score has remained the same and never changed. Since XX/XX/2023 to now XX/XX/2023 my FICOXXXX score have been XXXX. During that period I had a paid off auto loan, obtain a new mortgage loan, new credit card, paid off card balances, fluctuation on my credit limit utilization, Limit increases, limit decreases- yet my mortgage FICOXXXX  score remained unchanged at XXXX. All my other EXPERIAN FICO models have fluctuate except for my mortgage FICOXXXX. MY FICOXXXX is XXXX. 
Is there a glitch in your system thats causing this. It makes no sense that my FICOXXXX  remains unchanged for 7 months despite of all these activities.
Product: Debt collection

On XX/XX/XXXX, I received a call from Credit Control LLC ( hereafter " CC '' ) stating that I have an outstanding balance of {$30.00}. CC stated that the debt originated from the company XXXX XXXX. During the call, I informed CC that I was disputing the debt as it had been paid timely. The CC representative informed me that I had to call XXXX XXXX  to solve the matter directly with them. 

On XX/XX/XXXX, I called CC and requested that CC mails me written documentation validating the debt, as it is my right pursuant to the Fair Debt Collection Practices Act ( FDCPA ). On the same call, I also provided CC with my home address. 

As of today, XX/XX/2021, I have not received any written documentation from CC.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that are erroneously listed on my credit report. I have recently reviewed my credit report and found multiple inquiries that i neither authorized nor recognize. These inquiries have adversely affected my credit score, and I request your assistance in resolving this matter. The following are the unauthorized inquiries listed on my credit report : - XXXX XXXX, credit unions, Individual, XX/XX/year> - XXXX XXXX XXXX, XXXX XXXX, Individual, XX/XX/year> I assure you that i have not initiated any transactions or relationships with these institutions that would warrant a credit inquiry. Therefore, i believe these inquiries are the result of an error or potentially fraudulent activity. I kindly request the CFPB to investigate these inquiries and remove them from my credit report as soon as possible. This correction is vital to maintaining the accuracy and integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX XXXX  Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated once on XXXX
Product: Credit reporting or other personal consumer reports

On the following days I contacted Equifax via certified mail to inform said company that a company named " XXXX XXXX XXXX '' is falsely reporting a collections account on my credit report. I have requested on 4 different dates for this item to be removed ( XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and lastly on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for this item to be removed, and I have send evidence of why this account is reported improperly, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should be reported on my credit file. On all 4 occasion, Equifax has not responded to my complaints, and as of XX/XX/year> Equifax has not removed this collection, nor has it provided any evidence that the item reported is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Says I have a delinquent account when it was paid off
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I set up a wire for $ XXXX yesterday evening on JPM Chase bank checking account. This is a account that I have wired before and is not new. Every time they hold up the wire and force me to go thru " ridiculous verification process. I believe they are motivated by more then protection, holding up the money and transactions. They not only stop the wire but lock up the account as well. Then I have to make several phone calls to get the account released and set up the same transaction again. Again I have to go thru " the same process, This process is set up to be done thru " offshore support and they are very slow and useless. It takes extremely long to get anything done. This is done for my protection they say, but this excessive and delays my work. 

I need this to stop or they set up an proper process to verify and do it in a fair way. This needs to be stopped and they know this is not the first time it is being done as well.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$710.00}