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

Experian, is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT NORTHERN DISTRICT XXXX XXXX 

Which is false. I have attached a letter from the U.S. BANKRUPTCY COURT NORTHERN DISTRICT XXXX XXXX. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 


I have also attached a letter from XXXX. 
XXXX has located and removed the record from my file BANKRUPTYCY RECORDS : Case number : XXXX ( XXXX ) Experian is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed.

It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed. I would like for you to have them take this unvalidateable information off of my credit report. The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00}, but had no idea that I would be charged {$900.00} in interest charges until after I received an email stating that {$92.00} would be taken out of my account on a bi-weekly basis. I would never have borrowed {$300.00} from this company under these conditions. After all of this, I have found that these type of loans are supposed to be illegal in the state of Arizona. I have no problem paying back the {$300.00} loan and reasonable interest, but {$900.00} in interest is ridiculous. They have already deducted {$92.00} out of my bank account on  XXXX / XXXX /2017 and the balance is still {$300.00}. I am attaching a screenshot from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account from XXXX on my credit report that should have been removed from my credit report in XX/XX/XXXX. The account was first reported in XX/XX/XXXX so it is now well over 7 years old. Experian is the only credit reporting company that continues to report this account. XXXX and XXXX have removed it. This account was first reported delinquent in XX/XX/XXXX and I have disputed the account since day 1 as I have never lived at the address reporting the charges. The account shouldve been removed from my credit report in XXXX but Experian had refused to even let me dispute it. This is violating my rights under the FCRA and I intend to seek legal action against Experian if this is not corrected immediately.
Product: Debt collection

On XX/XX/2021, I reached out to Portfolio Recovery regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to act. I requested validation from Portfolio Recovery on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received state something regard an electronic record, which I did not ask for nor did I receive to verify the debt, I asked for validation! I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.
Product: Money transfer, virtual currency, or money service

Multiple transactions were made on my Cash App. I contacted the company to solve my problem and give me a refund, but they refused, claiming that I authorized the transactions. I need my money back because I'm 100 % sure that I didn't do anything wrong. These transactions has happened about five years ago and I still trying to get my money back.
Product: Debt collection

Good Morning - my mother XXXX XXXX passed away XX/XX/XXXX. She was unmarried and no will. She didn't have any property or anything else. I have sent XXXX ( National Commercial Services ) an email twice to the email address on the letter once in XX/XX/XXXX and again XX/XX/XXXX stating that she is deceased and to stop sending letters to her to my address. This is very upsetting and very emotional for me as her only child. Please make them stop!!
Product: Debt collection

On XX/XX/2020 I signed up for a prepaid newspaper service with the XXXX  XXXX XXXX at the XXXX XXXX  XXXX in XXXX XXXX, KS. The representative selling the paper stated this was a prepaid subscription and that it would not be auto renewed. I confirmed this a second time before I handed over my debit card for payment. I began receiving my paper with no issues, but I realized I didn't want to renew as the paper was not substantial enough to justify the cost. 
I had forgotten when the delivery was set to expire, but I received an email from the XXXX  XXXX XXXX on XX/XX/2020 stating that my subscription had expired on XX/XX/2020. The email also stated " We value you as a subscriber and hate to see you go. Renew your subscription today. '' I received several phone calls in the following months requesting that I renew my service. I declined each time. I was never informed during these calls that my service had continued or that I owed any money. I have never received a paper bill from the XXXX  XXXX XXXX. 
On XX/XX/2020, I received a letter from A.R.M. Solutions attempting to collect a debt of {$22.00} for their customer the XXXX XXXX XXXX. I emailed the XXXX XXXX at their request per the recording on the customer service phone line on XX/XX/2020. I requested the debt be removed as I had never received a bill nor was my service supposed to auto renew. I also included the email that showed my subscription had expired XX/XX/2020. I received a response to that email today, XXXX XXXX, that apologized for the inconvenience, but stated that I owe them the money. 
I viewed the XXXX XXXX XXXX XXXX site for the XXXX  XXXX XXXX and have found that this business has a pattern of predatory billing practices that often result in customer 's having to lodge complaints to obtain correction. I am disturbed that I can be reported to a collection agency for a debt that was never billed. If the XXXX XXXX had my address and my phone number to request renewals, it is perplexing to understand how I did not receive a bill. In addition, it appears the XXXX 's sales representatives repeatedly lie to consumers to get them to sign up for the service. I wonder why the XXXX can not take the same decisive action against its own employees that it takes against its " valued subscribers. ''
Product: Money transfer, virtual currency, or money service

Due to two separate companies repeatedly attempting to charge my Cashapp debit card, I had to report my card as lost/stolen. Cashapp said my old card would no longer be usable, assigned me a new card number with a new CVV and a new expiration date, and started processing. Before the new card was even showing as shipped, these same two companies had my new debit card information, yet no one can explain how. When attempting to dispute these charges, Cashapp simply says they cant do anything productive about the problem and say to contact the merchant, which does not good. Upon attempting to contact one of the merchants involved, they stated they only had my old card number on record, yet, my new card was steadily being charges repeatedly. It seems to be that even tho you report a card lost or stolen and youve had to report fraudulent charges multiple times, Cashapp doesnt block anyones access because obviously access to the old card still works. When I had finally had enough and requested to delete my Cashapp account completely, customer support only sent emails stating the my email had been unlinked from my account and a separate email stating that my phone number had been unlinked from my account along with my old debit card. Not once did I receive a confirmation email stating that my account had been closed and that my information would be safe.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX loan agreement was for 62 months. I am schedule to payoff that loan XX/XX/XXXX. I haven't missed any payments and I may have been late 1-2 but I don't recall ever been more 10 days late. I reached out to American Credit Acceptance because I notice the balance was incorrect and if I continue to make my regular payments it would not add up to the balance showing on my account. I was first told that my payoff date was incorrect although it clearly stated on their website the 62 months and XX/XX/XXXX was when the term should end. Then I was my installment did not matter because I wouldn't finish paying the loan off until maybe 10 months later because my loan is accruing a daily interest rate which might extend my loan longer than the 10 months. If I didn't pay off the loan by XXXX, I would have to sign some type of agreement to extend the loan. I have purchase quite a few cars in my life and I have never experience anything like this before and I have never had to pay 10 additional payments on any type of loan unless I request a payment extension and the payments are attached to the end of loan. I have not done this at all on this loan. I have also reached out to XXXX Auto to get a copy of the original sales agreement because they bought out XXXX XXXX XXXX several years ago and XXXX XXXX will not call me or respond back to my emails.
Product: Checking or savings account

Bank of America will not release my Funds. Due to no fault of my own. The XXXX in that account is the only thing left I have right now in this world due to my loss of Work due to a XXXX XXXX. I have not ate in over a week. Everyone wants something and no one wants to help me. They will not release my funds even if I file a hardship request supposedly due to Claims and BOA taking the side of the merchants that I have claims with. I have gotten XXXX from one of the merchants and trust me if there is a reason I asked for the funds to be given back by these merchants but they are not even considering the loyalty I've shown for the past 17-18 years. They are not releasing my funds and want me to wait until the XXXX XXXX XXXXXXXX. I've been waiting since before the XXXXXXXX XXXX XXXXXXXX. I have not ate since then.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> Chase closed/freezes my checking account after I submitted an internal transfer. During this time, an auto payment was scheduled for my XXXXXXXX XXXX XXXX XXXX. Since Chase had frozen my account, they reversed the auto payment leading to XXXX XXXX  charging me with missed payment/payment reversal/late fees/interest. I contacted Chase to reimburse me for these fees and shared I could provide evidence. After being transferred 3 times and talking to multiple people, Chase ultimately denied reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by XXXXXXXX XXXX. My reports show 120 days late, which is false. it was in XXXX. 
Despite two prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of XXXX XXXX. I have also filed with the bureaus and they all use the online auto info sent by XXXX instead of a human being reviewing. 

The negligence and incorrect reporting by XXXX XXXX have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by XXXX.
Product: Debt collection

XXXX/Citi have been sending me account statements yet XXXX  is attempting to enforce a debt which they themselves stated doesn't belong to them. XXXX/Citi also have refused for several months to allow me to pay and have refused to process my payments over the phone, are have been refusing me any method by which I can pay online. I called XXXX/Citi many times but they refuse to stop spouting irrelevant nonsense and also they are adding fraudulent " finance charges '' and other bogus fees to my statements for what has been their own continued to refusal to let me pay any part of my alleged account balances. XXXXCiti is committing fraud.
Product: Credit reporting or other personal consumer reports

I notified XXXX that there are unauthorized credit inquiries on my consumer report. XXXX only removed 1 of inquiries. The following inquiries that I reported are still on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NCC Business Servicef is attempting to collect a debt that does not belong to me. They have reported this to my credit profile in which has negatively affected my credit score in a tremendous way. Please remove this. This isn't mines
Product: Credit reporting or other personal consumer reports

I do have a FTC report regarding these inquires please view attachments below. Thank you Ive contacted XXXXXXXX XXXX regarding this inquiry I spoke with XXXX she stated she couldnt find anything in the System with my name or social she asked which bureau its reporting to and she said she would reach out and fix this issue and apologized, also I spoke with XXXX at XXXX she stated shes sorry for the inconvenience I need to contact the credit reporting agency shes not sure why my information appearing to be reported to XXXX, I call XXXX XXXX they said dispute it how unprofessional which I told them I will lastly I contacted XXXX XXXX I spoke with XXXX he transferred me 3 times no one would assist and the voicemail say its full these inquiries shouldnt be on my report I didnt authorize these I havent applied for anything, and I ask that this be removed from my XXXX and Experian credit reports.
Product: Checking or savings account

XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me. 
XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.
Product: Mortgage

Loan modification was initiated I believe XX/XX/XXXX. 
Correspondence between Planet Home Lending began in XX/XX/XXXX. My loan rep, XXXX XXXX, asked for personal information, paystubs etc. which was sent every time he requested something. A large quantity of documents were sent to the lender. 

Then in XX/XX/XXXX, Planet Home Lending demanded payment, or pre-foreclosure action. This happened in the middle of my modification process. I reached out to the Dept. of Veterans Affairs, XXXX XXXX, to find out what I should do and I can't remember if she contacted the mortgage provider but I was assigned a new contact with Planet Home Lending, XXXX XXXX. 
Further requests for information to qualify for modification started again and continued into XX/XX/XXXX, explanation of bank deposits etc. or more detailed requests. Again we complied. 

Foreclosure never happened and the Loan modification was granted, XX/XX/XXXX. 

Keep in mind, paying your mortgage has to stop to qualify for the modification, and dragging out the process was never my intention. We satisfied all the requirements! 

The problem : The credit report has an " F '' next to XXXX XXXX - XX/XX/XXXX, and if we never foreclosed, and I was in the process of modification, I believe it is an incorrect credit flag, and pre-foreclosure should not have been initiated. 

I know we qualified because we had already gone through the modification of 3 rental properties. 

Anyway, I want to refinance our house in Delaware and this " F '' is the problem. 

Is there anything that can be done?
Product: Debt collection

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received negative disputes results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting in 60+ days at a time. I've been disputing for years and it has became a complete burden.
Product: Credit card

THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS
Product: Credit reporting or other personal consumer reports

My personal information, including my email address ( XXXX ), was compromised in a breach involving XXXX. This has created significant concerns about identity theft and the misuse of my information, particularly in relation to credit reporting. I believe this breach, combined with prior breaches at Experian and other credit bureaus, has put my financial data at risk. 

Due to these breaches and potential unauthorized use of my information, I am requesting the following : XXXX. Removal of all accounts, negative marks, and personal data from my credit report as a precautionary measure. 
XXXX. A full investigation into whether my information has been misused by Experian or other entities. 
XXXX. Assurance that my data is secured and will not be accessed without my explicit consent. 

As a military spouse, I am entitled to heightened protections under the Servicemembers Civil Relief Act ( SCRA ). I urge Experian to take swift action to resolve these concerns and fully remove all accounts and associated information from my credit report.