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

Have disputed 3 accounts with Experian because 1of the accounts are not mine. ( XXXX XXXX XXXX {$400.00} ) They don't even have a record of this debt in their files. I've been XXXX  for several years and have not evrn had a home and certainly not in XX/XX/XXXX-XX/XX/XXXX. The account does not exist so how are they validating this? The other account with XXXX XXXX XXXX for {$650.00} was paid in full by XXXX XXXX Hospital because of my health and financial condition. I Sent a letter in from XXXX XXXX but they didnt validate it. XXXX XXXX doesnt work. I called each collection agency to see if in fact anyone from Experian had called and i was told no. I didnt even have any accounts with XXXX. The XXXX account was paid off by the hospital itself. The alleged late payment to XXXX XXXX  was a mix up due to a change in payment date. Never late. Letter was sent. No response. Asked for validation from Experian. Nothing! I thought that Experian was supposed to check this stuff out to see if it is correct or not?
Product: Debt collection

In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX. but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please note XXXX XXXX XXXXXXXX and TD Bank reported a 30 day late on my credit. This is a mistake and should be corrected. 
I was deployed overseas when the late was incurred due to a baking error. 
Please see attached notorized letter and my US army credentials.
Product: Credit reporting or other personal consumer reports

I sent XXXX a letter on XX/XX/year> with certified mail, to provide information on how they went about verifying the various reports on my account, which I got no response. I have two fraudulent reports on my credit report which was done by XXXX XXXX XXXX, I called XXXX XXXX XXXX and ask them about the fraud reporting and they said they don't why it got reported on my credit file because they could not verify it. I expressed this fraudulent activity to XXXX and they have done nothing. I have written to XXXX asking them not to give out my private information, and on XX/XX/year> after that, a XXXX called " XXXX  '' called me stating that they got my information from XXXX, which I told XXXX specifically not to do. 
I have written multiple letters asking XXXX to update my information and to correct all the discrepancies on my report but to no avail. I have tried multiple times to call but there is no one to speak with at XXXX, you only get an automated system. XXXX has tarnished my character and has done damage to my quality of life, which is cause for litigation.
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 XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

Paid for credit repair service that was never fixed. after the Equifax Data Breach expose my information
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : XXXX, XXXX & EQIFAX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the XXXX XXXX, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action. 

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report.

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance. 

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights. 

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter. 

Sincerely,
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States, I have the right to privacy.

15 U.S.C1681 Section 604A Section 2 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 or any other adverse items 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

I have reached out to XXXX & Equifax several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided XXXX with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.
Product: Bank account or service

XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed
Product: Credit card

I did not know this account until I saw it on my credit report and I contacted the credit bureaus and alerted them I had no knowledge of this account and that it was fraud. Even with me reporting this to the credit bureaus they continued to report this debt on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a " Free '' credit reporting trial with XXXX  months ago. When I signed up, it said just call to cancel. I have tried to call every month to cancel and have been unsuccessful. Experian has you on hold and never picks up. Today, after being on hold for 14 minutes, someone picked up then transferred me to another line where I sat on hold for another 15 minutes. Someone finally picked up after I had been on hold for 28 minutes and I was able to cancel the membership. Experian allows you to update your payment info online but wo n't allow you to cancel the service online. They provide you with a phone number to call but then never pick up. Meanwhile, your credit card is being charged every month. These practices are unfair to consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Debt Collection Agency - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request and Cease and Desist Communication Dear Debt XXXX XXXX XXXX XXXXXXXX XXXX I am writing in response to your attempts to collect a debt from me. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ) to request validation of the alleged debt and to ensure compliance with permissible purpose requirements. 

XXXX. Debt Validation Request Please provide the following information regarding the debt you claim I owe : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Original Amount Owed {$8500.00} Amount {$4000.00} Copies of any contracts, agreements, or documents bearing my signature that establish my obligation to pay this debt. 
Proof that your agency is authorized to collect this debt. 

XXXX. Permissible Purpose If you have accessed my credit report in connection with this debt, please provide documentation showing your permissible purpose under Section XXXX of the FCRA. Failure to provide such documentation may constitute a violation of federal law. 

XXXX. Cease and Desist Communication I also demand that you cease all forms of communication with me regarding this matter except for written responses to this letter sent via mail to the address provided above. Any further contact through phone calls, emails, or third-party outreach will be considered harassment under 15 U.S. Code 1692d and subject to legal action. 

This letter does not constitute an acknowledgment of the debt or an agreement to pay it. I request that collection efforts cease until you have fully validated the debt as required by law. 

Failure to comply with this request may result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Product: Checking or savings account

I am currently engaged in resolving problems with my mother 's checking and savings accounts. I received " notices '' from USAA dated XX/XX/20 and XX/XX/20 indicating that changes have been made to these accounts. I called USAA and spoke with USAA customer service to explain to me exactly what " update account information '' was provided and updated. USAA was unable to give me an answer. I spoke with XXXX XXXX XXXX and discussed these letters and he indicated that the information I have been working with him to get updated was not the information to which these letters refer.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/CARE CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

SPS ( Select Portfolio Services ) obtained my mortgage and have charged fees to make electronic payments. The only way to avoid fees is to mail in payments or subscribe to automatic withdraws. 
Initially the payment fee was {$5.00} and now the fee has increased to {$15.00} with no other payment options other than by mail or automatic withdraw. 
Additionally, they did not offer to waive the late fee since I have never made a late payment. My bank mails my payment directly to SPS and the XXXX payment was not received and this is when I discovered that the payment fee had increased to {$15.00} and add to this the {$38.00} late fee. 
I feel that these fees just for customers to make payments is abusive and predatory. We should not be charged fees to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2019 account was reported late to all three credit bureaus by Capital One. However, I was never mailed statement for that month and had not consented to receive only digital statements. I informed the company of this, and they said they would not change the reporting, even though once I find out it was late, I made immediate payment. My card history on all accounts shows zero missed payments, which supports my claims. I have asked the credit bureaus to correct the error, but they simply believe Capital One without any investigation. I believe Capital One to be in violation of the cardmember agreement and federal consumer finance law by not sending me a required statement for charges incurred, but then reporting a late payment on that balance. I also believe the three credit bureaus are in violation of federal law by falsely reporting negative information even after I provided proof of the error to them.
Product: Checking or savings account

On Thursday XX/XX/year> I received a notice that my account was restricted for unusual activity. There was only one thing that happened that day and that was a direct deposit that is supposed to go into several different stock purchases. I filled out the form, submitted ID, nothing was done. Several days went by, no call took place to advise of a status so I called in.

I again, verified my identity, reviewed all potential issues, again, there were none that were actually shared with me other than logins from locations during the year outside of my home state. I travel for work a lot and look at my account frequently.

I again, approved all logins and again was never once told what the actual " unusual activity '' was.

As of this date I do not have access to my funds, these are my LEGAL FUNDS and I am being withheld my own money with no explanation or reasoning.
Product: Checking or savings account

Bank of America opened a checking account in my name without me requesting this account. Around XX/XX/2023 I received an email stating my new account has been approved. I never applied for an account. I called their fraud department on XX/XX/XXXX to report the fraud. I called back again on XX/XX/XXXX to follow up. I was assured that the account would be closed following an investigation. 

On about XX/XX/2023 I received in the mail a new debit card for my account with Bank of America. I tried calling the fraud department back again but whenever the line picks up it just goes dead. 

I have never had an account of any type with Bank of America.
Product: Credit reporting

these liens where cancelled what is the same as with drawn if the credit bureaus now report withdrawn / cancelled they need to show that they are showing released what is incorrect reporting the report should show withdrawn/cancelled and should be removed from my credit report immediately Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 {$690.00} Tax Lien XX/XX/2016 Released {$690.00} Tax Lien XX/XX/2016 Released {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX 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

On X/XX/2017, I sent a letter to Equifax, XXXX, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Product: Credit reporting or other personal consumer reports

The persistent inclusion of this fraudulent accounts on my credit report is utterly unacceptable. It has inflicted substantial harm on my financial standing, making it exceedingly challenging to obtain credit, secure reasonable interest rates, and advance toward my financial objectives. Despite my persistent efforts to resolve this matter, these fraudulent accounts persistently undermine my creditworthiness and financial stability. It is incomprehensible that your agency has not taken prompt and decisive action to address this issue. Your agency 's failure to effectively address this matter not only violates the Fair Credit Reporting Act but also demonstrates a blatant disregard for consumer rights and well-being. 

XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX. 

Failure to take action will compel me to explore all available legal options to safeguard my rights and financial interests. This situation has caused me considerable distress, and I demand a swift resolution to bring an end to this egregious ordeal.
Product: Debt collection

Filed dispute with credit bureaus against this collection previously. At this moment the collection has exceed the Statue of Limitations allowable by the state of my residency. Recently searched for said company with XXXX  and could not find any trace. Filed report with FTC for fraudulent activities already. Please help resolved this issue. Thank you