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

Experian has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX XXXX XXXX. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, EXPERIAN has committed additional FRAUD by including these items on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries reported by Experian on my credit report. These inquiries were made without my consent, which is a violation of federal laws governing credit reporting and permissible purposes for accessing consumer credit files. 

The unauthorized inquiries are as follows : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I have not authorized these institutions to conduct hard credit inquiries, and I request that Experian provide proof of my consent for each of these inquiries. If no proof can be provided, I request immediate removal of these inquiries from my credit report. 



Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, Nations Direct Mortgage reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, CAPITAL ONE BANK USA NA add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There are several recent hard inquiries on my credit report that were not made by me : - XXXX XXXX XXXX - EXETER FINANCE LLCXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2023 I filed Bankruptcy and XXXX XXXX and the collection agency they sent it to ( THE PHOENIX RECOVERY GROUP ) was notified by the court to stop collection on this account with balance of {$1000.00}. They continue to defy the bankruptcy automatic stay and refuse to remove the account from credit report. This is illegal and I will be notifying the court of there refusing to follow federal law.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My credit union stated that I had until XX/XX/year> to receive my items from the vehicle, The car was repossessed XX/XX/XXXX. I called to make an appointment and they stated that they no longer had the items and they were disposed of after 30 days from XX/XX/XXXX which is XX/XX/XXXX. I talked to my credit union to verify any discrepancies and they said that the date XX/XX/year> was correct and my items should have been available until that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, Experian is obligated to ensure that the information being reported on my credit file is accurate and in compliance with the law. The removal of this account by XXXX and XXXX indicates that they have verified that this information should no longer be included on my credit report. Therefore, Experian must also remove this account to maintain consistency and compliance. This account has been removed from my credit reports with XXXX and XXXX, and I am requesting that Experian take immediate action to remove this account from my report to remain in compliance with federal law.
Product: Credit reporting or other personal consumer reports

Hello. On XX/XX/year>, I received a credit card statement in the mail, for merchandise charged at a XXXX XXXX in XXXX, MN- with a XXXX XXXX line of credit. The account # is XXXX XXXX XXXX XXXX. On my credit report, it shows as XXXX XXXX for the amount of {$4300.00}. Second, I also have been receiving text messages and phone calls from a XXXX XXXX XXXX XXXX group I believe. I never open them, nor do I answer them because I assumed it was obviously spam. Nonetheless, on my credit report I discovered the XXXX XXXX  listing for the amount of {$2200.00}. This is also fraudulent. I am in the process of contacting all three credit reporting companies : XXXX, XXXX XXXX XXXX XXXX either by phone or online with the option to dispute these. I have also contacted XXXX XXXX fraud, and successfully reported it. I have not, however, contacted Synchrony at this time- but will attempt to. Thank you. 

XXXX
Product: Checking or savings account

Wells Fargo continues put small items through my account when there is no money in it and charge me triple percentages in the fees. I complain over and over again and they always transfer me to somebody that tells me they can't do anything for me. I told them not to honor any electronic payments without my permission especially when I didn't make the transaction but they still insist on doing it. Also, they have a policy that allows people on the XXXX XXXX to put funds in their account by XXXX o'clock eastern to catch it up but they require California people to put funds in before XXXX PM which is completely unfair. It's unfair to have different rules for different time zones in the United States. That's not legal under the fair credit protection act. Three times I have deposited funds in my account on time and they have still charged me the fees and they have not provided the evidence that I did not make the deposits on time even though my app says I did. They need to refund me at least {$250.00} in fees at this point. I will send the dates and the fees later I do not have the information handy because they charged me another fee again tonight and im very upset over this. they can't charge me {$35.00} on a three dollar transaction it's illegal. Wells Fargo said they were going to investigate the fees seven months ago they lied to me and told me that they sent me a findings letter but they never did and every time I call there's no one available at the number they give me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 My phone was phished by calling XXXX XXXX to discuss why my bank transfer from XXXX  XXXX XXXX had not been processed yet, during that call the member on the other line indicated that they were looking into it but we got disconnected when I was placed on hold.The account was in my husband XXXX XXXX name and number they sent him a text message see attached to tell him to call them back, which I only saw at a later time. After that point, I noticed my cash app had bitcoins purchased and sold, and several transactions were processed see attached photos. Transactions started at XXXX XXXX with them trying to add {$750.00} to my cash app account it was declined and failed, at that point they then added XXXX to the account which they then purchased XXXX in Bitcoin I had a money balance on my cash app account that they also used. From there they attempted to add XXXX and were declined/failed @ XXXX XXXX, they then attempted to add XXXX and it was declined/failed. then XXXX was again decline/failed again attempting to add XXXX failed, at this point at XXXX they added a debit card that was saved to my phone that was attached to my sons XXXX XXXX XXXX account and XXXX XXXX to my XXXX XXXXXXXX Checking account where they then were able to add XXXX dollars to cash app @ XXXX at that time they sold the bitcoin on cash app for XXXX. There was another attempt to add XXXX to cash app which was declined and marked as fraud by cash app @ XXXX XXXX after that they cashed out XXXX to my XXXX account see attached photos. at XXXX XXXX they made another attempt to add money to cash app for XXXX which failed. At this point the money was all gone from mine and my son 's XXXX XXXX  accounts and cash app and was all moved to my XXXX account see attached photos. Meanwhile they were doing the same thing in XXXX they moved all monies from our Credit builder account into the checking account and sent XXXX to a XXXX XXXX @ XXXX XXXX. At XXXX they moved the XXXX from cash app to XXXX, at XXXX XXXX they sent XXXX to XXXX XXXXXXXX then again @ XXXX XXXX they send XXXX to same person leaving {$5.00} left in my XXXX bank account. At which point I saw all the transactions and immediately started online fraud cases with XXXXcash app/ and XXXX XXXX. I called all XXXX as well to inform them of what was going on so that they could freeze my accounts. 
Cash app has opened XXXX cases not and indicated that because it was done from my phone that it was done with my knowledge, which it was not, that they are declining my requests for fraud and will not seek further approval for repayment. 
I am still currently waiting on the cases from XXXX XXXX and XXXX XXXX. 
Thank you for your assistance with this matter and all that you can do to help me with helping me to obtain a solution in my case
Product: Money transfers

XXXX wire transfers were sent from my Citibank savings account in XXXX, XXXX & XXXX totaling {$80000.00}. Citibank 's fraud department contacted me on XXXX after the last transaction was made. I was notified on XXXX for a {$3000.00} purchase made using the Citibank credit card. It was not our purchase the card was cancelled and we received new cards the following day, but no one monitored the other accounts during the same days for fraudulent activity until the account was empty. XXXX from Citi 's wire department made it clear today that they may not be able to recover the funds and Citibank is not responsible since it was done through online banking with my login.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX account # XXXX 5.  XXXX  XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I applied for an auto loan with XXXX. XXXX pulled my credit report from Experian and they denied my car loan stating that : - I have insufficient or lack of income ( Not true- I have been a XXXX employee since XXXX with a salary of {$130000.00} yearly ). 
-Serious Delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
-Time Since delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
- Too many inquires in the last 12 months ( Reviewed Experian and I don't see too many inquires on report ). 
Credit score shows XXXX ( When i review my credit score online it shows XXXX ) This happens a lot with Experian and its causing me a hardship. Please, help me fix this. 

I have attached copy of my current Experian score as XXXX and a copy of the denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing that I owe {$230.00} and Im not aware of where this company or amount comes from. I have never had business with this company.
Product: Debt collection

To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with Charter Bank One. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his 401K to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Product: Credit card or prepaid card

I applied for a Fortivia credit card. Over the year, I have held this card I have used it very sparingly. I have not made many charges on this account. When I did use the card, I paid my balance in full in the month I used the card. In XXXX of 2018, I noticed I was getting a bill for {$5.00} a month even though I did not charge anything on this card. I was advised that this was an account maintenance fee. I asked then to pay the entire XXXX a month for the account maintenance and was told I could not. I expressed concern at that time that the {$5.00} was being charged every month even when I did not use my card. I was told then that the {$5.00} account maintenance fee would just sit on the account accruing and could be paid when I made the next purchase with the card. I agreed to leave the account open to keep the buffer of overall available credit to help my usage score with the XXXX at that time with the understanding that I could pay the account maintenance fees that accrued at the time of my next purchase and they would not negatively effect me. Today I found out that they have reported my account delinquent to the credit bureau over account maintenance fees, not purchases, they would not let me pay all at once but spread out over months- although I had the means to pay all at once and attempted to do so several times. As a consumer, I should have the choice to spread payments or pay them in full but was repeatedly denied this request. Today, I attempted again to pay the maintenance fee in full and requested they reverse the negative reporting on the credit bureau. Again I was refused. 

This is not ethical and predatory behavior by Fortiva Credit. They are damaging my credit over a fee they will not let me pay all at once. I respectfully request that the negative reporting be corrected and my account be closed.
Product: Checking or savings account

On XX/XX/XXXX I called BoA XXXX  to let them know I had a fraudulent charge and they told me someone in XXXX  took my money out of an atm. I live in XXXX XXXX so I told them that wasnt me and they filed the fraud for me. On XXXX I got a letter telling me my account was closed, I call on XXXX telling them what happened and they told me to contact XXXX, Been going back and forth between both of them blaming each other
Product: Checking or savings account

XXXX CHECK RECEIVED ( Cash ) + {$450.00} XXXX CHECK RECEIVED ( Cash ) + {$450.00} XXXX CHECK RECEIVED ( Cash ) + {$110.00} Notice showing me cash available to me : Available to withdraw current : {$0.00} gains/losses : The remaining {$1000.00} of your recent deposit will be available to withdraw on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from
Product: Debt collection

CArrington Mortgage services is harrassing us about a mortgage debt we do not owe. This house was sold and closed on XX/XX/XXXX and the title recorded to reflect new owners. The title company paid the amount owed via the closing statement that was good until XX/XX/XXXX. The title company paid them in full. 

They are now demanding more money, and we do not own this house any longer, nor do we owe any money on this house. They are harrassing us for XXXX dollars stating they will forclose. 

First we do not own the house, second this debt was orginially discharged in a bankruptcy XX/XX/XXXX and we were not legally responsible for any of the money owed on this house. 

The title company we used to sell this house got a closing statement from them which I will attach and they paid them the entire amount owed. We again today received a delinquency letter and threat to foreclose on a home WE DO NOT OWN