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

This account was opened without my consent. I have no relationship or contract formally binding me to XXXX. I sent Experian this letter because this was proved and removed from my XXXX account as well as XXXX. Therefore Experian is reporting this inaccurately. Below is the letter I sent in. 

Subject : Dispute of Inaccurate Reporting - XXXX XXXX XXXX XXXX Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report regarding an account listed as a charge-off. The account in question is identified as Account # XXXX and is reported as having a balance, which I believe is incorrect. 
This account was previously disputed and successfully removed from both XXXX and XXXX reports. However, it remains on my Experian credit report with a charge-off status and an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, the reporting of inaccurate information is a violation of federal law.

I kindly request that you investigate this matter and delete this account from reporting on my credit. Please correct this error as soon as possible and provide me with written confirmation once the update has been made. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. 
Sincerely, XXXX XXXX
Product: Debt collection

Tru accord sent an email with the collectors name in the header. Tru accord failed to use any sort of identity verification or disclaimer before email was opened. Inside of email stated to disregard email if this was sent to the wrong email then provided all debt and personal information under the disclaimer. I contacted the company and was told that all contact information was " assumed '' correct and that they did not have to verify or have verification steps before giving debt and personal information. I explained that I would like to have their fdcpa policy sent to me and was told that they couldn't provide this information. Once I explained that a small deviation in the email address name could result in the wrong party receiving personal information i was once again told that it wasn't their problem and that it was given to them and assumed accurate.
Product: Student loan

I am writing to dispute the reporting of a > 60 day late payment to credit bureau  XXXX  for my unsubsidized loan, sequence  XXXX , disbursement date  XXXX / XXXX / XXXX . This unsubsidized loan was paid in full  XXXX ,  XXXX .     I spoke with  two   AES repr esentatives and a   XXXX   representative regarding a > 60 day late payment reported to  XXXX  in  XXXX  of  XXXX . After a detailed review of the accounts, the following was determined : In a phone conversation on  XXXX   XXXX ,  XXXX  with  XXXX  representative  XXXX , she stated  XXXX  records sho w AES  reported a > 60 day late payment in  XXXX ,  XXXX  but did not specify a specific payment that was late. My credit report requested in  XXXX ,  XXXX  also indicates a > 60 day late payment in  XXXX ,  XXXX . Additionally, a review of my credit report requested on  XXXX   XXXX ,  XXXX , does not indicate any late payments on my  AES ac counts in  XXXX .   However, in a phone conversation in  XXXX ,  XXXX  with  AES re presentative  XXXX   ( ID  #  XXXX   XXXX ,  AES rec ords indicate a > 60 day late payment in  XXXX ,  XXXX . No notice was provided to me in  XXXX  or  XXXX ,  XXXX  that I was late on a payment.   I applied for automatic payments using direct debit in  XXXX ,  XXXX  and was approved for automatic payments through direct debiting on  XXXX   XXXX ,  XXXX .   Automatic payments began on  XXXX   XXXX ,  XXXX  to  two loans, s equence  XXXX   (   Unsubsidized )  and  XXXX   ( Subsidized ).    According t o AES repr esentative  XXXX   (  ID #  XXXX   ), AES recor ds indicate their automatic payment system did not apply the correct amount to loan sequence  XXXX  in  XXXX  and  XXXX ,  XXXX . These payments should have paid off loan sequence  XXXX  in full but they did not. As a result of the error in AESs automatic payment system, AES recorded a delinquent payment. However, the erroneous late payment was not reported to   XXXX   until  XXXX  of  XXXX .     As shown in the payment history and acknowledged by  XXXX  a n AES repres entative, the automatic payments for  XXXX  and  XXXX ,  XXXX  were not applied properly at no fault of myself.  XXXX  was to note the system error in the database and forward to the credit review team for correction. I followed up on  XXXX   XXXX ,  XXXX  with  XXXX   (  ID #  XXXX  ) who acknowledged the notes had been made but no further action had yet been taken to correct the error.     Complicating review of the circumstances was the timing of the > 60 day late payment report, which came many years after the alleged late payment. This has made a review of the circumstances extremely complicated and onerous on me as the consumer and further calls into question the accuracy of a late payment.     I am in the process of trying to secure financing for a home mortgage and the delinquent payment has impacted my credit rating and increased the cost of my home loan.
Product: Debt collection

This afternoon the company called CAINE & WEINER placed a collection on my credit report for {$430.00} USD. Called the company to inquire to the number on their website connectcw.com ( XXXX ) XXXX, and the representative informed me this debt is from Progressive XXXX XXXX for a vehicle, which I have never owned in my life. The representative requested for me to file a police report, and I contacted XXXX as well, and was directed to this site for this process. 

Since last year I was victim to identity theft, it is clear to me, this is related to the same people who had purchased a {$20000.00} vehicle under my name in XXXX TX. This specific complaint was closed, and the number is XXXX for your reference regarding this new one. 

Please coonduct an investigation and remove this fraudulent collection placed on my credit report.
Product: Mortgage

I have signed a GFE for 3.75 interest rate and now I 'm being told it 's 4.515. I have tried to contact the agent and his manager repeatedly with no success. I was told I would get a refund for the appraisal and termite inspection and that has n't happened yet and It 's been about a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} 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. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Student loan

can not log in and so i fill out the form to get my username and password they say i am not in the system but it is the correct info ( my SS # and birthday ) now I no longer can access my account and they dont respnd to email and take hours on the phone just to help you log in ( which shouldnt be this hard to do and their website should work propperly )
Product: Credit card or prepaid card

I took out this line of credit for dental work that I needed to have done. I have been paying the card, paying over the minimum balance on the card but noticed multiple FINANCE CHARGE CREDIT of over {$200.00} when a promotion was over on the card. The promotion period being over was explained to me on the phone after I called to ask why an over {$200.00} change was put on to the card. I have never had a credit card with such a complicated and confusing fee structure. My balance at the end of the XXXX cycle was {$820.00} with payment of {$35.00} required, I paid {$50.00}. After my payment, the new balance is {$990.00} even though my payment was on time and more than the minimum balance. I was upset to see the increase and asked to speak with customer service to help me with paying off this card and asked to reverse those charges. Most card companies are happy to help you pay off debt and the agent I spoke to on XX/XX/XXXX told me they would issue a credit/reverse the charge to try to keep me from canceling the card. She told me that since they charge a fee to take payments over the phone that my new balance would be around {$700.00} and the credit would be seen in about 24hour. I checked my account and 48 hours later saw no credit. I called the customer service again on XX/XX/XXXX to learn that because this charge was " correct '' that they would not be reversing the change. I asked to speak with someone else to get help with this situation and was told the same thing. I do not feel that these promotion periods are clear and that they take advantage of their customers. No credit card should be this confusing and be unable to help their customers pay off their debt. They would not help resolve this issue. Looking at my transactions every day there are new fees put on to the
Product: Credit reporting

All inquiries on my experian & XXXX report dating back from XXXX 2015 till present day I did not initiate nor have any knowledge of. I have disputed the items in question several times online & in writing & have gotten no where. They refuse to remove these bogus inquiries & they are affecting my credit score in a negative way. I have also asked fot proof & have received no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX  XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Product: Debt collection

I Mr.XXXX XXXX is having problems with a debt collection with Pressler & Pressler of having a substantial bill of XXXX with XXXX XXXX XXXX that was paid in full with my insurance company with XXXX Medicare during XXXX for my XXXX, This has been going on since XXXX until the present, I'am trying to closed on a house and I spoke to XXXX XXXX at XXXX fax # XXXX on Tuesday XXXX XXXX had said he want to resolve this issue, but I contacted The billing department of XXXX XXXX of whom is associated with XXXX XXXX XXXX the same day Manager name is XXXX number is XXXX whom sent my billing report that stated I owed XXXX balance, I immediately faxed to Me.XXXX XXXX and gave him several calls that and up til XXXX still no answer he and company Pressler & pressler seem as though they want me to pay for a bogus bill of what of which I owe nothing, I need to get this resolved asap, but no one has contacted me as of yet, Pressler & Pressler is located at XXXX XXXX XXXX XXXX , NJ XXXX , this is a bogus claim whom was file by a third party and I don't know who did it, but this issue is need to be cleared on my self asap, I need with this unlawful claim for it to be removed promptly.
Product: Debt collection

I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Confirmation # XXXX XX/XX/XXXX Personal Information has wrong address and this has been going on for over 4 months now with no end to XXXX putting address are not my address as office buildings and other address that XXXX has or can not provide proof of the address. 
Employment not showing last reported or Previous Employment not showing. I have sent in my current proof of XXXX from employment and have yet to see anything on my credit report. 
Liens showing on my credit report as to I have ask XXXX for proof of my full name full social security number full date of birth and full address in my name showing all the information as required as to the laws changing in XX/XX/XXXX pertaining to this issue.
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the CAPITAL ONE came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a fraudulent items that are still reported on my credit file, the fact is, I had already been disputed them. I believe that my consumer rights have been violated, and I am seeking assistance in resolving this matter. I kindly request that you could help me investigate this matter and work with the concerned parties to resolve the issue in a fair and timely manner. I believe that my consumer rights have been violated, and I am seeking a just resolution for these following items to be removed immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; ; XXXX  XX/XX/year> ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5300.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$950.00}.
Product: Debt collection

I have been receiving relentless phone calls from a company Portfolio Recovery. I am not sure if this was medical, credit etc. I have become permanently XXXX in the year ofXX/XX/2005, which is why I was not able to pay any of my bills. This creditor is calling me about a bill that has occurred over 15 years ago and has reached its statute of limitations in the State Of New York. I am currently on XXXX XXXX and have a difficult time getting around. Please stop this company from their illegal practices so that I may rest during the day instead of consistently being interrupted. 

Thanking You In Advance, XXXX XXXX
Product: Credit reporting

Do n't ever recall having or doing anything in my life with XXXX banks or credit cards!
Product: Consumer Loan

Santander Consumer USA made an unauthorized inquiry to experian on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the fraudulent 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 these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, 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 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 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: Debt collection

XXXX XXXX XXXX stated they had no debt with me yet XXXX XXXX and Diversified Recovery Bureau are trying to seek money owed after the company stated I did not owe them. I don't believe the amount they are seeking is accurate and I've not received anything in the mail and the notice is sent to my email. 
In 2021 I filed complaint against XXXX XXXX XXXX the response from them was there was no debt to them. I was XXXX  and XXXX  during this time and could not receive mail or supply any more information due to homelessness, being XXXX, XXXX  and my wife XXXX XXXX XXXX didn't receive anything. She also left the state of Idaho and has tried to bankrupt me on purpose.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint again in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX Balance {$14000.00}
Product: Credit reporting or other personal consumer reports

ON XX/XX/year>, I submitted a dispute to Experian stating the account XXXX XXXX does not belong to me. I advised Experian that I have contacted the original creditor, and they do not have any of my personal identifiers in their system. When I asked them to provide me that information in writing, the representative stated there was no formal form to show there was no account, he could only provide me a verbal confirmation that the account number listed did not belong to any of my personal identifiers. Experian has not thoroughly investigated that this account does not belong to me, and have instead given me results that they have " verified and updated '' this account. When I wrote a letter to Experian demanding they furnish with whom they verified this account and proof of verification, they failed to furnish this information within a 30 day time request. I have continuously had issues with Experian giving me a generated response instead of looking in the actual facts of the dispute and verify that none of my information on the alleged debt exists. I demand immediate removal of this account pursuant to my rights under the Fair Credit Reporting agency, listed as 15 USC 1681b.
Product: Credit card

In XXXX, XX/XX/XXXX. I was billed for a service I had used in the past, but not that year. It was XXXX parental security software. XXXX billed anyway. I asked American Express to block the charge and the vendor in XXXX. I asked American Express to block future charges from XXXX. However, in XX/XX/XXXX, a new charge was on my American Express card and American Express said they have no record of a block. If you have a charge, your options are to leave American Express or request or new card with a new number requiring you to update all of your bill pays from that card. American Express does not provide good options nor does it protect you from former vendors.
Product: Credit reporting or other personal consumer reports

I received notification from my student loan servicer, XXXX that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted Equifax and learned that XXXX reported on XX/XX/ that I have a balance of {$82000.00}. 

I called XXXX and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to XXXX. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. XXXX is in violation of the Fair Credit Reporting Act.