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

I've already disputed this fraudulent, inaccurate, and unverified account. 

I looked at my report back XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal Law : According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 U.S. Code 1681s2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 


Can you fix this?
Product: Checking or savings account

I bank at US Bank in XXXX. In mid XXXX a check I mailed to a company was stolen from the mail. The check was washed and altered from {$7400.00} payable to business to {$17000.00} payable to an individual. The thief also changed the date on the check from XXXX to XX/XX/15. 
I check my bank app every day and caught the theft within XXXX hours and drove to my branch. They told me no problem and to not even bother doing a stop payment. The branch helped me send in all affidavits and copies of both the original check and the altered check and a copy of the police report. 
Its now been over a month and the fraud department told me today if they dont recover the money I will lose it. This clearly violates the law and State regulations on washed checks. Its a clear cut case with clear proof. They also had me send in the affidavit 3 times saying it didnt arrive or a minor error. I have formally requested the money be returned and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have boxes full of communications from  XXXX  yet although I have been in touch before they continue to claim they can not process my requests continually asking for varied forms Of ID - as if that would stop a crook! My opinion is they have numerous delay tactics such as you can not get through via internet or phone and certainly this! In my opinion they are complicit in the lowering of credit scores not only for me and mine but all Americans having the protection of saying they have nothing to do with anything they just report! If so who do they SERVE the consumer or the lenders! Furthermore I have in writing multiple correspondence stating fraud alerts were placed on the accounts by all  XXXX  agencies, removed by Transunion prematurely and then put back and after that failed I finally placed a worthless security freeze which theycevidenyly ignore or do not know of! Secure my credit from ME!
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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: Checking or savings account

Monies were taken from my checking account and I called the fraud department and told them about it because the total was over XXXX but I only received XXXX back but it froze my account. It's still ongoing.
Product: Credit reporting

My credit report shows late payments for a BMW I purchased in XX/XX/XXXX and sold in XX/XX/XXXX. I never made a late payment on the vehicle and elitist like to dispute this. I tried to submit a report via Transunion but never got a response.
Product: Credit card

Dear Sir/Madam, RE : BOA CLAIM XXXX I've been a victim of identity theft, and my E-Wallet was compromised including my bank of America 's Cash Rewards credit card ending in XXXX. Due to my international travels including my father 's critical condition overseas and death, I wasn't monitoring my accounts until last year XXXX XXXX when I found out about these unauthorized transactions with XXXX  although these transactions were going on since XXXX. The included BoA account statement states the total amount ( {$15000.00} ). I've reported the issue to the police and opened a claim with bank of America however, they did not resolve the issue claiming due to history of repeated transactions. 

This matter exhausted me financially and mentally as I was liable to fees and payments out from my own hard-earning money to pay for something I wasn't responsible for at all. Additionally, this issue negatively and significantly affected my credit history and score since. 

I am kindly seeking your assistance in solving this matter as soon as possible. 

Thank you for your time in advance. 

Please feel free to contact me for any questions. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I finished my services with # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX when I turned in my equipment and was told that my balance was paid in full at that time. I later learned on XX/XX/XXXX a collection was placed on my credit for {$760.00} by XXXX XXXX XXXX. I tried to figure out why I was put in collections and was not able to figure that out. Later on XX/XX/XXXX I went to the service provider # XXXX XXXX XXXX XXXX XXXX where the service was provided by them previously and they were equally as confused and showed my balance was still XXXX and printed out an invoice of the latest transactions for my account. This is the invoice attached. I have still not been invoiced for the charges that were put into collections and both the person in charge of the companies charges before sent to collections and the collection agency will not give me answers as to why the debt is owed. I feel like they are taking advantage of people because in most causes the services they provide are required to maintain driving privileges.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX  ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I was scammed in XXXX. Wells Fargo cashed the check when they should have known it was not real. They also let me take out a cashiers check to send to the scammer when I think they should have known something funny was going on. I am on XXXX and do not have the {$4800.00} to pay back. They also took my social security check for XXXX and left me with no money although it is against the law. They still will not give me my check. I need help knowing what is going to happen to me with a debt that I can not pay and if you can help me get my check back.
Product: Debt collection

NOT abusive language, but a language problem. 

Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose. 

Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business. 

Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.
Product: Mortgage

They agreed to adjust my mortgage for 3 months so it will balance from foreclosure. Starting in XXXX. The amount of XXXX
Product: Credit reporting or other personal consumer reports

I see an inquiry on my credit report that i didn't apply for. Credit inquiries last way too long and i don't do them often. there's one on there for that i don't recognize. It was from XXXX of this year and it looks like it was for Chase. 

I've been contacted by alot of these companies saying my information was apart of this breach or that breach, so i've been keeping an eye on things and that stood out.
Product: Debt collection

I have sent 2 letters to Diversified Consultants about the debt they say I owe to XXXX. 
Both letters were sent certified and signed for. In the letters I repeatedly asked for them to send proof of the debt I owe and provide me with viable evidence, bearing my signature, showing the account is being reported accurately. 
Both times they have responded, they have not provided me with said documents. Instead they sent me a billing statement that is not accurate and has no signature from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I never done any business with this company. They stated they were collecting a old debt for XXXX. I contacted XXXX and returned the equipment long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On our about XX/XX/XXXX, two collection accounts were reported to Experian. I found this out while applying for an installment account from one of my credit cards and being declined. While researching the reason for the declined credit installment request with all three credit reporting agencies, I discovered Experian has these two credit collection accounts on the credit report they have of me. 

These two collection accounts are not mine. 

I filed a dispute for each of the two collections account reported on my Experian credit report and only one was removed from my credit report. The second or other collection account remains on my credit report ; for which I filed a second dispute. 

Experian and /or the collections agency refuse to remove this second collections account from my credit report. They insist the account is mine. 

Note : the two collections accounts appear to be from the same Creditor and reported by two different Collection Agencies. Again, one disputed collections account was removed, while the other remains and I am unable to convince these agencies ( Experian and XXXX ) that the account is not mine. I am also not able to file another dispute with Experiam for this issue. 

Agencies invloved : - Experian - my member ID : XXXX. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... this collection account remains on my credit report after two disputes filed. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. this collection account has been removed from my credit report. 

I do not have this problem with the other two credit reporting agencies ( at this time ). 

I do not trust contacting the collections agency directly or the original creditor because I do not and have not had with them any business today, recently or in the past. Nonetheless, they insist on negatively affecting my credit report from Experian.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint as you all investigate in. 2019 abd I was told it was closed snd removed I have paid this account in full with Caine and Weiner fir 142.00 and it is still showing on my CBR. I need this removed for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I 've had my student loan for several years now and I have n't been able to pay it until recently. In all my dealings with Navient they never offered to do a income based payment plan just kept putting it in forbiddances. I called their customer service line at the beginning or XX/XX/2017 to see what payee 's name I should put on my credit unions bill pay site and they told me Navient so that is what I put. I checked a few days later and the payment had n't been posted to my account but had come out of my bank. So I called again and was told I had the wrong payee 's name. So I was finally given the right payee 's name and got that updated with my credit union. Then I was told that the funds would be returned to me in the few days and I could just resubmit payment. Well in a weeks ' time nothing happened on either end so I called back a few times and was just told to wait. Then I called again and talked to a gentlemen but the name of XXXX and said he saw the payment and he would request to have it posted to my account and that it would be posted no later than XX/XX/2017. Well today XX/XX/2017 I received notice from my credit union that the payment had been returned and that I would be refunded to my account in 1-2 business days. 

This is very frustrating because now my payment will be late and after all the calls and time I 've wasted it did me no good. I am extremely dissatisfied with the customer server or lack thereof that I received from this company. If I could pick a different servicer I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information