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

Experian has been causing me to be denied by reporting false information on my credit file. The first issue is they are reporting a misdemeanor that never occurred and I was never charged. In XXXXXXXX XXXX, falsifying my background They are also reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Additional they have reported that I am deceased, that my social security nunenr js probably not me as well. Causing me to be denied for services every where I go Lastly, i have asked them numerous of times to delete the fraud alert because its causing me to be denied and the phone numbers listed are outdated. After I call they lie and say they took it off and I see it again appearing. I have only found this out because this detailed report came from a third party apartment company instead of the normal consumer report that I request
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH EXPERIAN AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

1. Under 15 US Code 1692f ( 1 ). Unfair PracticesXX/XX/XXXXAccount Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously requested a payment history of our closed account from the provider and have attached the that part of the payment history that covers the period that our loan was with XXXX XXXX  XXXX. This payment history is being attached to have the credit bureaus correct the inaccurate and incomplete data that they are reporting. 

At present our closed XXXXXXXX  account is only showing seven ( 7 ) of the seventeen consecutive payments that was made from XX/XX/XXXX to XX/XX/XXXX. The account is also not showing the correct monthly balances, considering the account started at {$190000.00} and should have been descending based on the consecutive monthly payments that were paid each of those seventeen months to a closing balance of {$180000.00}
Product: Debt collection

XXXX a settlement offer in XX/XX/year>, company didnt process the offer in their system and kept charging me late fees etc. have been paying toward a balance that should have been closed due to accepting settlement offer. Last payment was {$300.00}. XXXX sent me a check for {$170.00} but cancelled the check after it was already deposited to my account
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app block, ink. Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive. They did not comply with error resolution requirements, the electronic transfer act ( EFTA ) and regulation these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} ONEMAIN XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have recently fallen victim to identity theft, which has resulted in several fraudulent entries on my credit report. These XXXX unauthorized accounts and XXXX inquiries were added without my knowledge or consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this incident to the Federal Trade Commission XXXX FTC XXXX and now urgently request that these fraudulent items be removed from my credit report immediately.
Product: Checking or savings account

I had 3 savings accounts with M & T Bank. On XX/XX/2020 I had all the funds of the accounts transferred to another financial institution. The interest earned on the accounts from XX/XX/2020 to XX/XX/2020 and posted on XX/XX/2020 was : Account 1 - {$.00} Account 2 - {$.00} Account 3 - {$.00} Total {$.00} Instead of closing the accounts and sending me a check for XXXX cents, the bank charged me {$45.00} in fees for Account 1 ( {$30.00} ) and Account 2 ( {$15.00} ) - Account 3 was not charged bank fees but remains open with a {$.00} balance. I have written the bank twice - once in early XX/XX/2020 after seeing the {$45.00} of bank charges on the XX/XX/2020 electronic bank statements, and then in XX/XX/2020 after not receiving any response from the Bank in regards to the requests in my XXXX correspondence - specifically asking M & T to rectify the situation by reversing the fees, sending me the accrued interest and closing all the 3 accounts. M & T has not responded to my request ( positive or negative ) but recently sent me month-end XXXX Statements which indicates that M & T has credited Account 1 & Account 2 ( total of  {$44.00} ) for the difference between the inappropriate fees ( total of {$45.00} ) they previously charged my accounts and the interest earned ( {$.00} ) from XX/XX/XXXX to XX/XX/XXXX, resulting in XXXX balances for Account 1 and Account 2.The troubling part is they call the credits " Collection Account Fee, '' which has me very concerned they may be  attempting to inappropriately soil my credit record due to their incompetence. In addition, they continue to ignore my request to close Account 3 with a remaining balance of {$.00}. Since the bank will not communicate directly with me and it appears they do whatever they want to do, I have no choice but to lodge a complaint.
Product: Debt collection

ECSI has been aggressively sending bills and threats to my house address without explaining any specific options to me for my loan type specifically. They currently ignoring the matter as they do not have proper master promissory note for the full XXXXXXXX XXXX  amount from me and they refuse to communicate or provide a copy. They just send bills. They said that my loans are private and does not have any options, but they offered 1 federal deferment option and directed me to fill out a form that clearly stated federal perkin loan deferment ( In this case I have to be working and not make money ) which is not my case. There is no other deferment options available to me they are pushing for heavy payments that I can not afford without proper terms, conditions and without a master promissory note. Their loans is invalid untill they have a clear master promissory note by me which they do not have and they refuse to provide. All their loans is invalid.
Product: Credit reporting

I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.
Product: Checking or savings account

Wells Fargo overcharged me for checking account fees when my account had a feature that allowed me to waive monthly service fees based on making a minimum number of debit card transactions. 
Also my account had been compromised over three times with fraudulent charges within a two year period while banking with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and saw that the credit bureaus are committing fraud. As per 15 US Code 1681 Section ( a ) ( 4 ) the bureaus are violating my right to privacy. I never gave them permission to report anything on my behalf. I mailed the bureaus on XX/XX/21 and have saw no response. I am trying to refrain from filing for litigation, but i do no feel like my concerns are being taken seriously by Transunion, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, 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

In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( XXXX ) XXXX
Product: Debt collection

This balance on XXXX has been haunting me for years. It resurfCed in XXXX of XXXX. At the end of XXXX after reporting it fradulent in XXXX of XXXX, I attempted to contact and negotiate a lower price to pay it off. I do not wish to pay XXXX on a debt that I did not create. At the begining of XXXX I began trying to join the XXXX XXXX. I can not join with this debt weighing on me negatively. I spent 6 months trying to get ahold of the right company. Each number I called was another rabbit hole that ended with them telling me they can not collect on this debt because it had expired. After much research I found out that the debt originated from An XXXX cell phone bill. I have never in my life had a XXXX phone with that service. I have had cable but never a XXXX phone with XXXX. I reported the debt as fraud and it is still lingering. The debt collectors claim that the time for them to legally collect the debt has expired and they are legally not able to take my money and remove this ugliness from my credit. I pay high interest rates and get denied for simple normal coutesies because of this debt and NO ONE will help me settle this issue or even just pay it so it will stop hurting my credit.
Product: Payday loan, title loan, or personal loan

I understand that I borrowed the money because my mom was XXXX so she is not able to work so I 'm helping paying the bills such as ( light, water, cable, insurance, food, phone and etc ) This company is very RUDE they do n't understand things happen. 

During my time with this company I received these comments : I told XXXX you werent going to payment but I guess he tried to believe you ( XXXX said that! ) I asked to not be called at my employment, ( I even sent an email handwritten to not call at my employment ) XXXX XXXX from the XXXX NC location called XX/XX/XXXX saying " Hey XXXX, are you going to make your payment '' I said I will call back on my lunch break please stop calling me at work '' this is so annoying! 

XX/XX/XXXX I called and ask the branch manager for the original copies of my contract I finally received them XX/XX/XXXX. ( I guess he stated he was busy ) I called XX/XX/XXXX to ask to why my charges are extremely high if I only received ( 3 ) checks in the amount of : {$1100.00} ( XX/XX/XXXX ) {$390.00} ( XX/XX/XXXX ) {$120.00} ( XX/XX/XXXX ) Which is ALL a total of {$1600.00} ( so your telling me it 's THOUSANDS of dollars in INTERST! ugh NO! ( explanation please! ) When I called XX/XX/XXXX I was on the phone with a sweet lady name XXXX and she could not figure out why my charges are extremely high. This company needs to be investigated. 

Then I get legal papers that say {$830.00} OWED, {$650.00} INTEREST {$9000.00} HOW! 

I 've sent an email to XXXX XXXX XXXX, XXXX ( Chief Administrative Officer ) XX/XX/XXXX with no reply or anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

TO whom it may concern, XXXX XXXX XXXX is breaking the LAW reporting inaccurate information on my consumer report without my consent. XXXX XXXX XXXX, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of XXXX  XXXX XXXX Credit Card XXXX 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, I have diligently contacted XXXX   XXXX XXXX numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent XXXX  XXXX XXXX credit card # XXXX in my Equifax consumer report. 

I am requesting the following actions : A thorough review of my Equifax consumer report to verify the accuracy of all information, particularly the XXXX  XXXX XXXX credit card account in question. 
If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my Equifax consumer report. 
I am cooperating fully with both XXXX  XXXX XXXX and Equifax investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with XXXX  XXXX XXXX and Equifax indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that Equifax will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. 
I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. 
Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have submitted numerous disputes directly with the credit bureaus and the original creditor XXXX XXXX XXXX XXXX XXXX In addition, I have submitted complaints and received frivolous responses from the creditor. I specifically have been requesting validation of the debt including a copy of a signed contract and complete accounting of the debt mentioned. In the last communication sent from the creditor mentioned that the account is being serviced by a collection agency Weltman , Weinberg & Reis Co. This creditor is not reporting on my credit reports therefore I am unable to dispute these accounts electronically. As a remedy, I contacted them promptly by phone and left messages with XXXX XXXX whom the operator stated is the account manager for this XXXX account. In addition, I have emailed customer support and still have not received a response with validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the attached response from TRANSUNION they indicate my credit file is currently inaccessible to any company or myself attempting to view my file. They go on to request verification documentation so they protect the confidentiality of my information .They ask for my social security number and proof of current mailing address in addition to other documents. I sent a copy of my social security card, Drivers License and all other requested documents via certified email on XX/XX/XXXX. On XX/XX/XXXX I received a response from TRANSUNION indicating that my address information was updated and they acknowledge my account with XXXX XXXX XXXX .However advised me that my account was suppressed. Why is it that the documents they requested and I submitted was sufficient to provide me with limited Information and make updates to my account based on what I provided. However not adequate enough to answer my questions as to what my account being suppressed means and why is it suppressed and make my report accessible to other companies and myself. Why establish criterias for consumers that will not be honored when they satisfy them. 
This action seems inconsistent with at minimum the mission statement of CFPB. I am not sure if this duplication of efforts is negligence or harassment on the part of TRANSUNION. 
During the period I filed these complaints I was a student ( junior year ) and worked and was unable to respond or communicate with anyone during normal business hours. During this international Health crisis I am working the majority of time and completing my education on line and am unavailable when your staff or you would be accessible. Therefore I request that you either communicate via e mail ( this address ) or contact my custodial father XXXX XXXX ( XXXX ). 
I would like to have these matter corrected before I enter my senior year ( XX/XX/XXXX ) so I can apply for financial aid.
Product: Debt collection

On XX/XX/2019 XXXX sent me a copy of an updated credit report. File Number XXXX. Many accounts were deleted from my credit file, and one of those accounts was ENCHANCED RECOVERY Acct. # XXXX. Approximately 2 weeks ago I was trying to get my house refinanced. I was told that there was derogatory mark on my XXXX Credit Report. I thought to myself, that's impossible. The same account that was deleted by XXXX, reappeared back onto my credit report. According to the FCRA this bureau is in VIOLATION for reinserting a deleted account back on my credit file.