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

This is now the second time I am bringing this up, and I am beyond furious that Experian continues to ignore my rights under federal law. How many times do I have to repeat myself before Experian actually does its job? I previously disputed the unauthorized and fraudulent account ( XXXX XXXX XXXX XXXXXXXX ), yet Experian recklessly refuses to remove it from my credit report. This is not just incompetencethis is willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and I will not tolerate it any longer. I never authorized this account. I never consented to it being reported. Experian has absolutely no legal right to continue reporting this account! Under 15 USC 1681b, there is no permissible purpose for Experian to include an unauthorized account on my file. Yet here it is, still damaging my credit, despite my previous dispute. Under 15 USC 1681i ( a ), Experian is legally required to conduct a reasonable reinvestigation, yet this fraudulent account remains on my reportwhich proves Experian is not investigating anything! 15 USC 1681e ( b ) mandates maximum possible accuracy, yet Experians continued misreporting proves a total failure to meet that standard. Additionally, under 15 USC 1681s-2 ( a ), furnishers are responsible for ensuring the accuracy of the data they report. Right now, Experian and its data furnishers are blatantly ignoring their legal obligations! I am demanding the immediate and permanent deletion of this fraudulent account. I expect written confirmation that it has been removed and an updated credit report reflecting this correction within 15 days. Since Experian has already failed to act, I am also demanding a full method of verification under 15 USC 1681i ( a ) ( 2 ). I want the exact details of how this account was verified, who confirmed it, and where the information came from. If Experian can not provide a valid and documented verification, then the law requires you to delete this account immediately!
Product: Debt collection

I am a victim of identity theft in my credit report you have stated that i have an open account for 180 days, i am demanding proof of allege debt, I also obtained a police report # XXXX, and I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department to me and is a result of fraud that I did not authorize CREDIT ACCEPTANCE CORPOR Balance {$9900.00} Opened XX/XX/2014. The following items did not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXXXXXX, have all violated my rights, 15 U.S.C. 1681a ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A section 2 : states that a consumer reporting agency may not furnish an account without my written consent or intructions.

15 U.S.C. 1681a ( 5 ) Section 603 States, I must CONSENT to anything being reported to my credit report.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Product: Debt collection

On XXXX/XXXX/2021 - I received an alert that debt from ATG Credit was added to my credit report ( XXXX ) for XXXX debts for {$110.00} & {$74.00}. I never received any letters from this debtor or anyone else about this debt. However, I reached out to confirm where this came from and was told that letters were sent to an old address where I had not resided for several years. This medical debt was placed on my credit file with no knowledge of letters being received. I have had this issue with ATG credit placing things on my credit that is not valid from the past. Also, any debt owed to them has been paid in full and should not be reflected on my credit file.
Product: Debt collection

1 ) XXXX College account that went into collections. 

2 ) XXXX XXXX took over account and mailed letter XX/XX/XXXX for balance amount of {$460.00}. 

3 ) Account statement from XXXX showing past payments and recent payment made on XX/XX/XXXX. Which also happens to be the date this account was bought by Ability Recovery Services. Amount was for {$25.00}, statement shows balance now {$430.00}. 

4 ) Receipt for {$25.00} made to XXXX XXXX on XX/XX/XXXX. 

5 ) XX/XX/XXXX debt verification letter received from Ability Recovery Services for XXXX College account. Balance stated on letter {$460.00}. I contacted XXXX, as well as XXXX, to find out how the payment can be credited to account. It was stated by Ability representative XXXX XXXX, it would take about two weeks for the payment to be forwarded. 

6 ) XX/XX/XXXX mailed a payment resolution letter to Ability Recovery Services outlining four payments to be made that would resolve the balance of {$430.00}. 

7 ) XX/XX/XXXX received threatening letter in regards to account after two checks had already been cashed by Ability Recovery Services with my banking institution. 

8 ) XX/XX/XXXX sent letter in response to the threatening letter received. 

9 ) XX/XX/XXXX another letter sent in regards to my 'indebtness ' to the account. The last payment was delayed due to a household emergency, however, the amount stated on letter is still incorrect. It states a balance of {$220.00}, my balance was {$100.00}. 

10 ) XX/XX/XXXX last payment check and accompanying letter was mailed to Ability Recovery Services, along with a spreadsheet of check numbers and payments. Check number XXXX in amount for {$100.00} still not presented to bank as of XX/XX/XXXX, mailed XX/XX/XXXX. 

11 ) XX/XX/XXXX voicemail message received from representative XXXX XXXX at Ability Recovery Services, please see attached transcription. 

I have included all documents referenced above in the order given above. Representative stated on XX/XX/XXXX that they never received the third check, yet, I have the check image, etc cleared by my banking facility. In her message she also states that the {$25.00} was credited to my account, but then says I have to take care that amount. 

Extremely unprofessional debt collection entity and I want this resolved so that I no longer have to deal with this company.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I found inaccurate accounts listed, and I dont understand why. I routinely check my report, but this time, there were unexplained errors. I tried refreshing the page, hoping it was a temporary glitch, but the discrepancies persisted. Due to this issue, I am requesting a detailed review of the documents I have provided so that I can have peace of mind.
Product: Credit reporting or other personal consumer reports

Please see ATTACHED! I have sent them letters to correct these violations on my credit report and after 30 days nothing still has been changed therefore causing further damages and i am not able to get approved for credit and constantly being denied which has lead to financial hardships for me and my family. Letters have been sent XX/XX/scrub>XX/XX/XXXXXX/XX/year>
Product: Checking or savings account

Between XXXX to XX/XX/2023, Marcus by Goldman Sachs stopped all transactions on my account 3-4 times " on suspicion of fraud ''. 
I had transferred about XXXX from XXXX XXXX XXXX to Marcus, and from there transferred to Betterment and XXXX XXXX. 
The transactions were made in chunks of XXXX. 
First time they stopped transactions, I found that acceptable, and they verified the transactions with XXXX and me. That was fine with me. 
However, they stopped transactions and froze debit twice more, when the payment made/received was to the SAME parties, i.e. payment received from XXXX and paid to XXXX XXXX. 
This debit freeze that happened over and over againlead to some of my scheduled payments not being honored, and I faced hundreds of dollars in financial loss in late fees and charges. 
I wrote to Marcus seeking compensation for the late fee/charges but received no response.
Product: Debt collection

This company called me sometimes up to 5 times a day even though I had told them to stop. I was never notified what they were calling about and thought they to be solicitors and told them to stop harassing me. They never notified me of any debt by letter and because I didn't know what they were calling for either. They reported debt that's excessive without first notifying me properly and have threatened to sue me and I'm on XXXX XXXX and have no other income. My wife XXXX XXXX XXXX has an income and was a resident and should've been contacted about this debt. To report only my debt when my wife was involved and lived with me is bs.
Product: Credit card

So every transactions I make I get sent to fraud department and need to authorize transaction. But for some reason the transaction does not get approved or I can only make one purchase on the {$20.00} and I won't be able to use the car no more. As for right now I was trying to buy some food on XXXX XXXX  and it was less than XXXX and it got frauded.
Product: Debt collection

In XXXX, I was scammed into signing a car loan agreement. At the end of XXXX, I received a letter from a debt collector saying we are trying to collect a debt you owe to XXXX XXXX XXXX XXXX XXXX XXXX We will use any information you give us to help collect debt. So I called them and talked to them. Then in XXXX a deputy came to my address and served me and I had to file with the clerk of the state court and serve the plaintiff 's attorney. I was served on XX/XX/XXXX. So I reported my identity theft to the police and even went to the DMV 's website to see if there was a car in my name. My MVR report shows me that there is no car or driving history in the state of Georgia in my name. And I updated the debt collector to let them know and the debt collector told me I would still have to sign the writ of possession.
Product: Checking or savings account

I bought an adjustable interest rate annuity from USAA back in XXXX ( about {$8500.00} ) with a base interest rate of XXXX % and my understanding was the interest would change if interest rates went up. This annuity has stayed at XXXX % even though rates across the industry have hit XXXX % ( at USAA as well ). I am locked into a contract and will get penalized for removing this money even though they are not holding up to the agreement. Every time I reach out to USAA, they tell me they cant raise it because they are afraid of people transferring money into these accounts. Additionally, they recommend I pull the money out and assume the penalty because Ill make up the money in XXXX of their other accounts ( CDs or annuities ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me an email of the update they did to my XXXX XXXX account after I filed a dispute because they had not closed the most recent loan that I refinanced and updated all. Now they are showing incorrect information on the old account they closed! They are showing me 30 days late in XXXX which is NOT correct! I refinanced the loan XX/XX/XXXX. The last payment XXXX took from my account for this loan which was refinanced was XX/XX/XXXX for {$740.00}. My payments were due on the XXXX and I made them on the due date or within the ten day grace period. So this was XXXX payment they took. My XXXX payment then fell due at the end of XXXX on the XXXX at which time I called to refinance because something came up and needed extra money. It took them several days to get back to me and to set up the refinance and we completed it on XX/XX/XXXX which is NOT 30 days past my due date of XX/XX/XXXX, but 16 days past my due date! I want this 30 day late removed from all three credit reports for this XXXX loan # XXXX which was the loan I just refinanced on XX/XX/XXXX to my new loan!! Why can't XXXX or XXXX be ACCURATE??? I also am sick and tired of trying five times to file my dispute, finishing the whole process then XXXX online dispute system saying something went wrong try again, this is deliberate retaliation for my contacting your office and they need to be fined for it!!! I want them to also contact XXXX and Equifax to update and correct this too!!!! And they also had a wrong old address XXXX XXXX XXXX XXXX for me, remove it, and my fathers phone number XXXX listed as one of my numbers, remove it, And my same name listed as an alias three times, remove them, And my employer the XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed four times, remove the duplicates!!!!! I want all corrected and all updated with all bureaus then I want a clean paper copy of my full corrected reports mailed to me from all three credit reporting agencies MAILED, not emailed!!!!! Lazy, incompetent people, they should be fired!!!! Shut these credit reporting agencies DOWN they do nothing but screw up everyone 's personal information, allow it to get compromised which is why there is so much identity theft in this country and try to make people look bad financially, they have no use or purpose, no value whatsoever!!! Millions of people like myself are having hours of our time wasted on correcting their idiotic mistakes and the same goes for the finance companies, banks and businesses who are just as incompetent and can not report all correctly!!!! If I did my job the way they do I would be fired!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notice from the US Department of Education noting that my : " Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the Florida XXXX XXXX XXXX XXXX ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ).

Subsequently, Navient sent me a letter noting that they had received my letter -- despite the fact Navient continues to report inaccurate information on my credit file, and most recently, has resumed its attempt to collect this cancelled debt. 

These repeated attempts and negative reporting, continues to cause me severe distress. Any communication with them is met with resistance and an unwillingness to adhere to the laws. 

This conduct is predatory and deceptive. Please help. Even with clear proof that the debt is forgiven/cancelled- they are reporting and inaccurate balance and now claiming I am in arrears on cancelled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are still at it. Another proof of Equifax operating in a Vacuum without Laws. Notice the Addressee on the Envelope : STIII / AGAIN. 

Hey Imbecile, here is our proof we no longer identify you as someone else. We will no longer gather information not in your name or disseminate wrong illegal information. Believe us verbally as we demand you do this! It is just OUR Policy to address any correspondence to you in other than your name. As you accept this Mail as yours, we are authorized to collect data and disseminate information as you are accepting the fact you are AKA. I AM NOT!
Product: Debt collection

My Complaint is against XXXX XXXX, XXXX. XXXX XXXX is failing to update the 3 major credit bureaus : XXXX, XXXX and XXXX that their account # XXXX has been paid in settlement for {$1300.00}. The are failing to update a XXXX balance and advising the credit bureaus that I still owe them the {$1600.00} for account # XXXX The account was initially with XXXX XXXX XXXX XXXX XXXX, who then sold the debt to XXXX XXXX, XXXX, who then hired XXXX, XXXX, XXXX XXXX XXXX, XXXX to sue me in small claims court. The case has been settled outside of court for {$1300.00} and paid on XXXX/XXXX/XXXX. XXXX XXXX, XXXX attorney office XXXX, XXXX and XXXX cashed the {$1300.00} check. I am requesting that XXXX XXXX update my credit reports properly to reflect a XXXX balance.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transunion for failing to remove unauthorized information from my credit report, despite my repeated disputes. I spoke with XXXX XXXX at Transunion on XX/XX/year> at XXXX, regarding file # XXXX. I formally disputed the reporting of unauthorized financial information, citing violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach Bliley Act. However, Transunion has refused to comply with my request for immediate removal. Laws violated by Transunion ; 1.Violation of the Gramm-Leach-Bliley Act ( GBLA ) -15 USC Code 6802 *GBLA prohibits financial institutions from sharing my non-public personal financial information without my express consent. Transunion is unlawfully reporting financial data without my authorization. 2. Violation of the Fair Credit reporting act ( FCRA ) - 15 USC Code 1681s-2 * Transunion is required to ensure the accuracy and verifiability of all reported data. The disputed information remains on my report without proper verification or my consent, making it unlawful under FCRA.
Product: Debt collection

There is a collection listed which is unknown, disputed with no outcome or verification. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email from Equifax saying that my data may have been breached. On XX/XX/2020, I used the link in the settlement email to confirm that my data was included in Equifax 's data breach. I tried to complete the settlement procedure, but could not recall the name of the credit monitoring service that is currently monitoring my credit. I attempted to log in to My Equifax to determine if Equifax is currently monitoring my credit. 
1. I was informed by my browser that myEquifax is a high risk web address. 
2. I searched on My Equifax and used that link. When I entered my current password, I was informed that my username and password were incorrect. They were not, but I agreed to reset the password. 
3. I successfully reset the password. I attempted to log in with the new password. I was advised that this was incorrect and was told I had up to 3 tries to access my account. I tried to log in with the reset password and was informed that I was locked out of my account ( at only 2 tries ) and that I had to call an 888 number to unlock my account. 
4. I called the 888 number and answered numerous questions about my credit history. I believe I answered questions about my credit history correctly, but was informed that they could not verify my identity and that I would have to send " documents '' to an address in XXXX, XXXX Equifax does not tell callers which documents to provide to reinstate access to their accounts. 
5. I navigated the phone menu to reach a Customer Service Rep - no easy task. I asked to have access to my account restored tonight. He was unable to help me and agreed to transfer me to a supervisor. He asked for a call back number. He then hung up on me and no one ever called me back. 
6. I called the 888 number again. I got another CSR in Sales. He informed me that he could not help me and that the 1st CSR disconnected me as the Transfer button is next to the Hang Up button on the monitor ( great design! ). He transferred me back to the 888 number. I have been on hold for 40 minutes and am still on hold.

7. I would normally walk away from this entire matter - giving up on the settlement - but I want the ability to put freezes on my accounts and lift them. Equifax 's level of service and the complete incompetence of this organization does not give me any comfort that my information is being appropriately safeguarded and that persons who are authorized to access my information can gain access to it. This is completely unacceptable.
Product: Checking or savings account

I cashed in my check through a bank teller. I then left the building to use the atm outside to deposit my cash. I then received my receipt saying I deposited my money forgot my debit card left to my car remembered i forgot my debit card went to get it back but a man around XXXX realized that was my card and just gave it back and I left. I then checked my bank account and realized I was missing XXXX dollars. Im pretty sure he pressed the most used XXXX dollars withdrawal button before he backed out and gave me my debit card back. I talked to my bank about this right away filled the claim maybe an hour after on XX/XX/2020 waited 10 days for a response for them to tell me I authorized the transaction and I wont be receiving my money back. The ATMs should have cameras to realize that wasnt me and after I got the letter I called them to resolve this and for hours I was disputing this to finally reach someone for him to hang up on me. During this time of Covid-19 I am desperate for those XXXX dollars that Wells Fargo took away from me. They should be responsible for the safety of my money and should have better security measure to protect their customers from fraud events like these.
Product: Mortgage

On XX/XX/XXXX, I sent Ocwen Loan Servicing , LLC a QWR letter via certified mail. 
On XX/XX/XXXX, I received the green certified mail receipt confirmation signed by an agent for Ocwen and stamped " XXXX XXXX ''. 
I have not received any other written communication from Ocwen acknowledging the receipt of the QWR. Does this certified mail receipt constitute acknowledgement " withing 5 business days '' or are they required to send a letter to me? I want to ensure that they are complying appropriately with their servicing responsibilities, but I do not want to harass them unnecessarily.
Product: Mortgage

I tried to do a refinance with Quicken Loans. 
I spent 6 weeks working with them, beginning on XX/XX/XXXX. 

In the end, my application was rejected because the property is more than 20 acres and is a residence in a residential zoning district. Note that my credit is exemplary and the property appraised for over estimated valuation. 

Following this, I asked Rocket to remove the credit check from my account as it was based on the false premise that they provide jumbo mortgages to properties such as mine. 
At this time the agent refused to acknowledge any accountability of Quicken for it's false business practices.
Product: Debt collection

Account name VOSS & KLEIN , LLC Account number XXXX Recent balance {$600.00} as of XX/XX/year> Date opened XX/XX/year> Status Collection account. {$600.00} past due as of XX/XX/year>. 

Please assist me with this. I applied for a mortgage on my home and was advised that there is a collection account on my credit report! I disputed this with all XXXX credit bureaus, but they have not removed it as of yet. I have written the below to them as a follow-up but am requesting your assistance. This is causing me to have my mortgage in a pending denial status! 


Thank you for your response but it is vague and unacceptable. As per my initial dispute, I never hired these people. They have no record of me agreeing to them doing work on my behalf and/or the XXXX 's behalf. Thus, this needs to be removed immediately. I am also following up on this with a complaint to the CFPB. See attached