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

On my Experian credit report, the balance for my XXXX XXXX XXXX credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the XXXX XXXX XXXX credit card center, my balance is {$0.00}.
Product: Checking or savings account

I'm trying to roll over a XXXX from Insperity and they will not do an ACH or direct transfer of equities. I am being charged {$50.00} for the rollover, which seems excessive. They will only mail me an physical check in 7-10 days. I asked about ways to speed this up, since that is significant time for my money to be uninvested and in transit. They can expedite it for {$50.00}, but it is still a 3 day process. I spoke with them twice on XX/XX/year>. I asked to file a complaint regarding the matter and they gave me an email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was in an accident my car was totaled in a flood. I called my insurance XXXX XXXX to report the accident and they informed me my insurance had been canceled after many phone calls XXXX realized this was an error on their part. I continued to make my payments from XX/XX/XXXX to XX/XX/XXXX I did not want to ruin my credit even though the car was no longer in my possession. XXXX  paid Hyundai on XX/XX/XXXX {$13000.00} the gap insurance paid off the remaining balance on XXXX, XXXX my account was closed on XXXX I then received a collection alert from XXXX XXXX that I owed 2,330 I sent them a check for {$460.00}. I have spent hours with Hyundai and XXXX  on the phone. I went to buy a car today XX/XX/XXXX I was told my credit was XXXX it dropped from XXXX I have not had a car since XXXX XXXX I cant afford a lawyer to fight XXXX  and or Hyundai motor finance. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have filed many disputes and complaints in order to correct the information shown in the attached letter as well as remove hard inquires that were NEVER authorized.
Product: Debt collection

I have been battling against this company for months now. They are stating that I owe two different debts in the amount of {$900.00} and {$430.00}. I called them at their phone number of which no one could give me valid information. I was simply told that it is my debt and I must pay them should I decide not to pay them they will continue to contact me via telephone and harass me until I pay them in full. Again I have never done business with this company, I have never signed to release any type of information to this company, and lastly they refuse to send me any proof stating I actually owe them or showing me any type of signatures or identification I used to allow this agency to collect my information. These collections in the amount of {$900.00} and {$430.00} both appears on my credit report X/XX/2017 and I have been contacting them ever since only to get nowhere.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Equifaxs ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, XXXX has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Equifax immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is still reporting this fraudulent account to XXXX but had deleted from XXXXXXXX XXXX! I have mailed portfolio Recovery a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to XXXX and they told me Portfolio Recovery is still reporting this fraudulent account and XXXX is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on XXXX and Portfolio Recovery! Portfolio has deleted this fraudulent account off of XXXX and XXXX but is still reporting to XXXX!!
Product: Credit reporting or other personal consumer reports

I am writing to formally 2nd dispute against Equifax regarding inaccurate information reported on my credit file of XXXX XXXX account number ( XXXX ) credit card ending ( XXXX ). Upon reviewing again my credit report, I noticed that this account contains inaccurate late payment entries during the COVID-19 pandemic. These late payments were reported in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). Specifically, I am disputing the following inaccuracies : Late Payments Reported : Equifax Account Status Inconsistencies : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). 

High Balance Discrepancies : XXXX reflects XXXX $ as the high balance, this is inaccurate. 

Actual balance discrepancies : XXXX reflects XXXX XXXX Equifax reflects XXXX XXXX XXXX reflects XXXX XXXX that is inaccurate. 

Date Reported Issues : The account is marked with differing " Date Reported '' values on XXXX ( XX/XX/XXXX ), Equifax ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) which is inaccurate. 

Under the CARES Act ( Section XXXX ), creditors were required to provide special accommodations for consumers affected by the COVID-19 pandemic. As I was impacted by the pandemic, any late payments during this period should have been reported as " current '' per the law 's requirements. 

These accommodations were not reflected accurately in this accounts payment history. Furthermore, under the FCRA ( 15 U.S. Code 1681s-2 ), furnishers of information are required to ensure maximum accuracy when reporting data to consumer reporting agencies. The discrepancies in high balance, account status, and dates of activity/reporting clearly violate these requirements. Additionally, the TILA ( 15 U.S. Code 1601 ) mandates clear and consistent disclosures to consumers. The inconsistent and erroneous information being reported on this account undermines the transparency and fairness required by law. 

Requested Action : Immediately correct every single discrepancies on this XXXX XXXX account. Correct all late payment entries during the period covered by Cares Act XXXX from XX/XX/XXXX of XXXX until 120 days after the pandemic has ended in question to reflect the account as " current ''. Ensure consistency in the " High Balance, '' " Date Reported '' and " Account Status '' fields across all credit bureaus. Remove any inaccuracies identified during your investigation from my credit file. 

I have attached the following documents to support my claim : Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ) A copy of my credit report highlighting the disputed entries. Supporting evidence of financial hardship caused by the COVID-19 pandemic receiving the Unemployment Benefits from XXXX XXXX State in my XXXX XXXX XXXX Account in the same year of XXXX. 

Please conduct a thorough investigation into this matter and provide me with a written statement regarding the outcome within the 30-day timeframe allowed by the FCRA. 

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

Experian, XXXX, XXXX It took over XXXXXXXX XXXX to get several addresses that were never mine from my profile, even after I provided fraud reports. 
I asked for reporting procedures for reinvestigation on incorrect listed accounts : XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Public record. Experian said it was verfied through XXXX XXXX. XXXX XXXX does not have this info! They will not reinvestigate, they will not delete any inaccurate information I was even told they will not reinvestigate because they investigated already. 
They have been harming my credit for years preventing me from purchasing property and getting loans and credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Product: Mortgage

ON OR BEFORE XXXX XXXX I RECIEVED A COLLECTION CALL FROM BANK OF AMERICA REGUARDING MY MORTGAGE PAYMENT THE LADY I SPOKE WITH TOLD ME I HAD XXXX IN MY ESCROW ACCOUNT AND IF I PAID XXXX THAT WOULD MAKE 1 MORTGAGE PAYMENT SO I GAVE HER MY ACCOUNT INFORMATION SO XXXX COULD BE DEBITED FROM MY ACCOUNT ON XXXX XXXX AND SHE GAVE ME A CONFIRMATION XXXX AND ON XXXX XXXX THEY DEBITED XXXX OUT OF MY ACCOUNT ON XXXX XXXX CALLED THEM BUT THEY COULD NOT GIVE ANY EXPLAINATION AS TO WHY THEY KNEW I WHAT THE AGREEMENT WAS WITH THE CONFIRMATION NUMBER THEY GAVE ME AND KEPT PUTTING ME ON HOLD AND EACH TIME THEY WOULD TRANSFER ME TO DIFFRENT LIKE NO ONE KNEW WHAT TO SAY ABOUT IT AND THE PEOPLE I SPOKE WITH KEPT SAYING THEY WOULD PUT IN A REQUEST FOR A REFUND AND ON WENSDAY XXXX XXXX XXXX I CALLED BACK TO CHECK ON MY REFUND THEY TOLD ME SINCE I WAS BEHIND ON MY MORTGAGE THEY WOULD JUST KEEP IT AND APPLY IT TO MY MORTGAGE HOW CAN YOU JUST TAKE MONEY FROM SOMEONES ACCOUNT ILLEGALLY AND NOT RETURN IT IF I DID SOMETHING LIKE THAT I WOULD BE ARRESTED FOR THEFT AND WHATS WORSE THEY DIDNT WANT TO ADMIT THEY STOLE MONEY THAT WASNT RIGHTFULLY THEIRS TO BEGIN WITH SOMETHING NEEDS TO BE DONE ABOUT THIS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been reporting inaccurate late payments on my auto loan account. The late payments report as followed : account # : XXXX ( auto loan ) Inaccurate XXXX XXXX XXXX and XX/XX/year>. 

I was never late on this account. I spoke with a representative who also determined after thorough review that I was never late and provided me with an updated payment ledger proving my on time payment history, specifically notating the months that were reporting late- XXXX and XXXX XXXX as on time.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXXXX/XX/XXXX I saw some hard inquiries that did not have permissible purpose. I also have the Evidence, which is a copy below my complaint. I will like for all of the Inquiry to be removed Deleted immediately from the three credit Bureau! Experian, XXXX, and XXXX, that this inquiry due to Violation of 15 USC 1681b Thank you! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Issued by Finance Companies XX/XX/XXXXXXXX XXXXXXXX View full complaint
Product: Debt collection

Hey, there's a debt collection company by the name of CREDENCE RESOURCE MANA ; the original creditor is XXXX XXXX XXXX. 

This account has been deleted multiple times from my credit reports & RE-inserted multiple times. It happened again this month. 

This account is not mine. This is why I've been disputing it. 

Please help me get this account off my credit reports. 

Debt collectors name : CREDENCE RESOURCE MANA Account number : XXXX
Product: Money transfer, virtual currency, or money service

I have been approved for a SBA Loan and this has been since XX/XX/2020. The process to receive the funds is extremely slow but I have all the correct documentation needed for the Small Business Administration to release the funds. I was having the loan funds deposited into my online XXXX account but the SBA isn't recognizing that institution so they told me that a Chase bank account could be used to receive the funds. I open up the Chase account and now the SBA wants the bank to provide a letter with my account number. routing number and social security number used to open my account with Chase bank. For some odd reason that seems to be a hint of discrimination. Chase bank is not willing to provide me a letter with this information so that I can scan it, upload it and send it to my loan specialist for SBA who is named : XXXX XXXX Attorney Advisor Office of XXXX XXXX  U.S. Small Business Administration ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. Please remove these accounts from my report, they're hurting my ability to obtain access to my credit. There are companies reflecting on my credit report that stole my identity. Identity theft is the fraudulent acquisition and use of a person 's private identifying information, usually for financial gain. These companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT licensed in the STATE OF TENNESSEE TO COLLECT ANY DEBT. The Debt collectors are Illegally attempting to collect a debt. The debt collector has already BOUGHT the DEBT, and is attempting to collect on a debt that is considered income and most likely taxable. I'm requesting Experian, XXXX, and XXXX to remove these fraudulent accounts from my credit report. considering the fact that I received NO correspondence from the debt XXXX letting me know they will report to my credit report which is a violation of my rights as a consumer under the FCRA. I HAVE NO CONTRACT WITH THESE COMPANIES! I'm not talking about the ORGINIAL CREDITOR. Once the debt is bought the original creditor is taken out of the equation. No proper validation of debt has been provided. 



Providing me with the contract that I have with the debt XXXX. IF this item is unable to be provided in a timely matter I request that Experian, XXXX, XXXX removes the fraudulent accounts from my credit report. {$1000.00} per violation, I would like a check mailed to me at the address Experian, XXXX, and XXXX has on file In the event that Experian, XXXX, XXXX fails to remove these fraudulent accounts and sends me a check for the violations. I will be forced to file a lawsuit against Experian for violating my rights as a consumer under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Product: Student loan

One of my loans serviced by AES was paid off in XXXX XXXX. It was reported paid off to both credit bureaus and to the federal student loan database as paid off at that time.As of XX/XX/XXXX, I no longer had any balances on any loans serviced by AES. The app and the website for my account indicated all my balances were XXXX. Three months later in XX/XX/XXXX, AES resent a loan payoff letter indicated XXXX loans were paid off but now there was an XXXX balance on the loan paid off in XXXX. The balance was not available to me and I was not made aware of it. I do not believe it is an accurate balance. Customer service told me 1 ) that it was my error that I paid ahead and cause it to drop off their system so they didnt tell me it had a balance 2 ) I was told that there had recently been some rearranging of past payments on my account so that AES could make the balance have a bill. All of my payments in recent years have been targeted and should not have had any rearranging. This balance didnt exist on my account for over 2 years and now that I completely paid off my loans, AES came up with a balance.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX  XXXX Balance : {$0.00} DEPT OF ED XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 consent.
Product: Credit card

Regarding, the XXXX XXXX XXXX, as l delved into the terms and conditions, I discovered the Consumer Credit Line issued to the principal on the date I received the receivable, only to find it trailing behind personal expenditures and family necessities. 

Swiftly, I moved to strengthen my financial position by requesting an increase in the Consumer Credit Line, acting in good faith even before activating and opening my actual CHASE account on the app to track purchases and deposits, let alone conducting any transactions. 

However, I decline these blunt denials ( including reconsiderations ) cloaked in ambiguous reasoning, resulting in an event of default. I stand before you today, to rectify this dishonor, for I am armed with the truth and I know I was misled. 

In the realm of financial equity, where opportunities should abound for all, I invoke the Equal Credit Opportunity Act and The Equal Opportunity for all Investors Act to demand fair treatment and resolution, ensuring equality for all investors and consumers. 

Peace be with you.
Product: Debt collection

Filed Claim with CFPB & Claim was Closed XXXX company requested documents in reference to verification of residence at the time of the theft. I emailed the requested documents to creditor, and below. Still waiting for response from company. It is still reporting on XXXX as a result. 


Information about account : Fair Collections, Account number # XXXX Opened : XX/XX/XXXX / Balance : {$34000.00} I am a victim of identity theft since XXXX to my knowledge. I contacted the collection agency, and company. I submitted notarized letters explaining identity theft, police report, lease of residence at the time, utility bill, id, Ss card, Ftc report, identity affidavit, and the collection agency fraud packet. It is still reporting on XXXX. 

Company 's Response The account was placed with our office by creditor XXXX XXXX XXXX XXXX Creditor retains ownership of the account. Our office has investigated the consumers claim that this account is the result of Identity Theft/Fraud. In order to complete our investigation, we are requesting the consumer provide proof of residency during the time in question which is XX/XX/XXXX XX/XX/XXXX. Proof of residency can be mortgage statements, full lease signed and dated by all parties or utility bills in the consumers name. The consumer has provided documents, but they are after the time in question as noted above. As soon as we receive the requested information, we can complete the required investigation.
Product: Debt collection

I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!