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

I was sent a email from Experian about my credit. As I looked into why my score was so low I noticed that on " my score profile '' the negative aspects of my credit are listed as " XXXX accounts paid as agreed. '' " XXXX XXXX paid down on installment loans '' and " no revolving activity '' which their own Experian report shows I have multiple accounts, revolving and installment, paid on time and as agreed. My Experian score is XXXX at this time while the other reporting agencies are over XXXX with the same accounting and reporting information. This leads me to believe that Experian is not accurately adjusting my score based on the tradeline info they are receiving from creditors. I have attached documents from their website. I chatted online with customer service and they didn't help or even seem to understand what I was trying to explain. Next I called in and the customer service rep. said I would have to take that issue up with XXXX XXXX. XXXX XXXX said they don't provide Experian with scores directly and that that would be a internal issue. I appreciate your time on this matter.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. 

XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 15 USC 1681s-2 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. 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. Account ( XXXX XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}.

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Product: Credit reporting

On my XXXX report it shows that i have XXXX debt transaction on my SSN which was given to collection agency. XXXX on Equifax from XXXX on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Payday loan

On XXXX/XXXX/16 I was approved for a {$500.00} loan via Big Picture Loans. I was informed that there was a finance charge of {$170.00}. Everything that I was told indicated that this was a ONE TIME charge that would be paid with the first installment payment of {$170.00} on XXXX/XXXX/16. It was my understanding that {$170.00} would be debited from my checking account until the loan was paid in full. {$170.00} was debited from my checking account on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I recently checked my balance and saw that it is still {$670.00}. Customer service informed me that the {$170.00} debit was only a finance charge and that no principal had been paid. This is outrageous. I paid Big Picture Loans {$700.00} in interest with no impact on the principal. I was completely misled. Having taken out the occasional payday loan in the past, I was totally taken by surprise as this has never before happened. This operation should be illegal. 
Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under Consumer Law this company is not allowed to report any consumer transaction history. Which means ANY and ALL payment transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran today XX/XX/2020 without my consent, when I called the company they would not tell me who ran it or why. Companies name is : XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Credit card

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Product: Debt collection

On or around XX/XX/XXXX I noticed something on my credit report for a balance of XXXX XXXX I called the collections agency and they told me my account was being handled by XXXX XX/XX/XXXX. I called the law office and spoke with an account rep and she notified me that I needed to pay the amount above. I disputed the account over the phone with her that same day. I also sent out dispute letters regarding the account to both offices ( national credit systems ) to verify the debt. I called the law office today XX/XX/2020 to see what the progress was, and the account has not been investigated at all! They can not verify the debt that it is in my name! In breach of the fcra! I can not speak to a supervisor on either companies because all they do is hang up!
Product: Debt collection

XXXX XXXX Bank is reporting XXXX accounts on my credit report as a Debt meanwhile these XXXX accounts has been paid in XXXX... 

The credit agencies ( XXXX, XXXX and XXXX ) know this issue also and the still posting these account as a debt, not paid, having a negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified dispute letter to Experian stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX XXXX XXXX Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from Experian stating the following : " Outcome : Remains - the company that reported the information has certified to Experian that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two letter one from transunion and one from XXXX   stating they placed a fraud alert on my credit file. I have not placed a fraud alert on my credit file. I don't want the one year fraud alert on my file. I looking to refinance a property and having a fraud alert could possibly hinder or make it more difficult to receiving financing. I would like the fraud alert removed as soon as possible.
Product: Checking or savings account

My personal bank account was closed without any notice or my consent in XXXX, 2020. As I was XXXX when the issue took place, I was notified by the Customer Service ( XXXX ) representative that I could only retrieve the remaining balance through mailed checks. By the time of that phone call, they have sent the checks without any notifications. I declared my situation, and the representative promised that the news checks will be sent soon and received 7 to 10 business days upon my inquiry. 
In late XXXX, as I still havent received the checks, I called again to follow up. After a quick check with another CS representative, I was told that the checks were sent to a wrong address, and no further details were disclosed. The representative corrected the address with me, and told me that the bank will re-send checks. In XXXX, several letters notifying about the address change and my inquiry were delivered, yet still no signs of the refund. 
In early XXXX, a check corresponding to my checking account balance ( XXXX {$2700.00} ) ( XXXX ) was finally delivered, while the check of the balance on my saving account ( XXXX {$11000.00} ) is still nowhere to be found. I believe that, this delivered one is a proof of the address to be valid to collect the mailed checks, so I called the customer service again to follow up. This time, I was able to communicate with a supervisor, and obtained a UPS tracking number ( XXXX ) of the primary mail. However, the tracking status was shown as delayed, and later directly returned to the sender somehow. UPS failed to provide the exact reason. After another call with XXXX  in late XXXX, the representative promised to re-mail the check, but this time, refused to provide any tracking information. 
After around three weeks, the check has still not been delivered, which led me to call the XXXX again on XX/XX/XXXX. The representative first claimed that their job was to send the check and he had no idea which it is not received yet. Additionally, when he offered to send a new check, I requested to first investigate what happened to the previous one and asked for a tracking number to confirm. I believe it is a reasonable request due to the repeatedly failed attempts, yet the representative refused to help and keep doubting if I have truly received a real tracking number. It was a futile conversation with him questioning me if I am asking for a check number or a tracking number. Therefore, I requested to directly speak to a supervisor for further explanation, and a supervisor named XXXX took over, promising me to further investigate the issue and to call me back on this Monday XXXX XX/XX/XXXX, XXXX time ). I gave my XXXX  mobile and a local number of a friend as back-up, yet no call was received. 

Please see the attached letter for more information.
Product: Money transfer, virtual currency, or money service

In good faith I sent a wire transfer from my XXXX XXXX  to a Wells Fargo account to pay a builder in Florida on Monday XX/XX/21. On Thursday XX/XX/21 my builder called to inquire about where was the wire transfer. I told him that I wired the funds to the new account at Wells Fargo sent to me by his office. He informed me that he did not have a new account at Wells Fargo. On closer inspection the email instructions with attachments were sent to me by an email address from his company and modified at the end by adding XXXX. I was sent a fraudulent email with fraudulent wire instructions to a Wells Fargo account. My Bank contacted Wells Fargo and they would not provide my bank with any information concerning the account due to " privacy issues with their client ''. Each day the trail gets colder and Wells Fargo told my bank they would get back to them in 90 days. 

I need help - I lost over {$90000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX Balance : {$430.00} Bankruptcy : XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}
Product: Debt collection

This amount of {$410.00} appeared on my credit report. I have been trying to get in contact with the company only to be not answered. I have tried to talk with a representative that only hangs up on me when I explain to them this is not my account. They want my social security number but I am not giving them this information. I want the information removes as if is fraudulent.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX a contractor was hired to perform a service ( land clearing ) and subsequently was hired for an additional service ( septic tank installation ). In a verbal agreement, the contractor XXXX XXXX XXXX XXXX XXXX XXXX XXXX was to receive weekly payments totaling {$1700.00} ( half of the overall cost ) and come back to begin the project. I made payments via 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  aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was instructed by XXXX to make these payments to his wife, XXXX XXXX using her phone number within the XXXX feature of my mobile banking app. XXXX never performed the services as promised. In XXXX, I requested a refund. XXXX stated he would see would he could do. In XXXX, I then offered to continue making weekly payments and pay the remaining balance. XXXX stated at that point that he was not comfortable doing this project and was not willing to issue a full refund either. He stated he would settle for less. I requested {$1500.00}. He said that was unrealistic as he purchased materials for this project using my money, which he made clear he was not comfortable doing several months after he was paid to come back and start doing. I then requested XXXX license number, and company address where I could serve him with paperwork for small claims court. XXXX responded that it is not his responsibility to provide that information and then threatened that if I pursued him in court or filed a claim with the sheriffs department that he would file a claim stating that my husband threatened him and his crew ( something that never happened ) to attempt to put my husband in jail. My husband received a phone call from XXXX XXXX at XXXX XXXX XXXX XXXXXX/XX/XXXX. At this point, this is blackmail and harassment. I notified XXXX of the issue back in XXXX and then waited additional time to hear back from XXXX- and was told in XXXX, by XXXX, several months later that I would need to go through my bank. At the time, I banked with US Bank so I filed a claim with US Bank in XXXX XXXX I was told that since I had closed my account with US Bank in XX/XX/XXXX that a check would be issued for the {$1700.00} that was lost through XXXX. Approximately 2 weeks later I called the bank to follow up and they stated my claim was denied and I would need to step into a branch if I wanted to file a new claim. This is absolutely unacceptable that theyd allow a valued customer to be defrauded. I want my money back as services paid for were not rendered.
Product: Debt collection

XXXX  XXXX  has a XXXX XXXX XXXX XXXXXXXX account for my name with a XXXX, XXXX  address, and I have never live state XXXX, know zero about this account collection, and have repeatedly try speak XXXX  XXXX, and they indicate since late XXXX, XXXX, 2021, that if not my account that fraud close account and cant reopen, and they frequently hung up telephone results credit collection agency, and try correct this all credit bureau, and my credit score which already correct XXXX and XXXX, and indicate remove XXXX  address from my credit file account bureau, but experian wants this further information to correct my credit bureau report inaccurate account and nothing to do me state XXXX, and our only legitimate address XXXX  and XXXX  XXXX
Product: Credit card or prepaid card

This is a follow up complaint about the previous complaint XXXX. I contacted Amex many many times and I did not receive the sign up bonus.
Product: Credit reporting

Due to the options that Transunion allows on their website there is no method to dispute that information is XXXX incorrect. I am not going to spend my hard earned money to mail a registered letter to Transunion that will take 6 months at the least to even get them to put anything into motion. The Federal Government gave the credit report agencies undue power. Therefore, the Federal Government needs to take responsibility in assisting me with my issue. There are address on the report that are not mine and are totally incorrect. There is no way to fix the problem except to move them around on the report-but no manner for requesting them to be deleted.