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

This form only allowed me to mention one problem but I have had two with Experian : By way of background, I have a long and positive credit history. 
1. I received a letter from Experian that a creditor had reported a change to my name, address or SSN. I obtained my credit report and found address and employer errors. I sent in the corrections along with a copy of their letter and my personal information. 
I received a reply that said they were unable to locate credit information about me because I either didn't provide sufficient ID info or I haven't established a credit history. How does this make sense? 
2. I bought a XXXX membership that included a bonus if I got a XXXX credit card. XXXX said I needed to unfreeze my Experian account. I called Experian, followed the prompts for a temporary freeze lifting, and provided the correct PIN and identifying information to the recorded voice. I was then told by the recording that I needed to write to Experian with a list of documentation to get the freeze lifted. Why put me through the paces on the call? Why jump through so many hoops for a 48 hour unfreeze? I gave up on the XXXX card, bad for me and bad for business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has taken over 210 days to rectify a dispute that I made back in XXXX. I have sent several letters and there has been no communication with me to let me know that this matter has been reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : 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. Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from my report with this agency for violating compliance procedures. Thank you in handling this matter.
Product: Credit reporting or other personal consumer reports

When logging into my app which is GM Marcus with Goldman Sachs, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my XXXX XXXX over XXXX points on all XXXX credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.
Product: Credit reporting or other personal consumer reports

This is an ongoing dispute with Resurgents, XXXX XXXX, and XXXX XXXXXXXX XXXX account number XXXX. I've asked that this account be deleted from my XXXX, XXXX and experian reports because payments were made through XXXX XXXX This dispute is not about me owning any money, it's about me providing proof this account has been paid in full. Resurgents is not the original creditor, so they are trying to collect money on a paid account, and an account that's too old to be collected on. I have the letter from True accord. my payment history, and the settlement offer from True accord made on XX/XX/XXXX. My first payment started on XX/XX/XXXX, and I also requested this information from XXXX XXXX XXXX, along with my payment history from True accord, but has yet to receive it, which is a violation of my rights as a consumer. I have a letter that I wrote XXXX on XX/XX/XXXX, XXXX stating that I had settled this account in full from a settlement offer with true accord and nothing was done. It's now XXXX, and still nothing done. Again, I requested this same information from XXXX since they acquired my account from true accord. Where is that information, which by law, is supposed to be given to consumers, when asked? I also have other documentation contacting XXXX about this same account on XX/XX/XXXX and nothing was done. This account was not opened on XX/XX/XXXX, which was the date XXXX acquired this account from true accord. Secondly, how was it opened XXXX on XX/XX/XXXX and the 1st delinquency was XX/XX/XXXX? You sound ridiculous and it needs to be removed. I've received nothing from Resurgents validating this debt. Resurgents, your collection practices are fraudulently and your corporate office will receive a copy of this letter, and the attorney General. 
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more than seven years old. Incorrect, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. I am requesting validation from XXXX XXXX XXXX, the date this account was opened initially, ,and not when it was sold.
Product: Credit reporting or other personal consumer reports

-Remove fraudulent Inquiries from Credit Report 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 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: Debt collection

I have been contacted by an employee of this company that has informed me that she will continue to call and harass me about an unknown alleged debt. I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Corp Solutions and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XX/XX/2023 I have not received any documentary evidence such as a trilateral contract giving Credit Corp Solutions any right to collect on this alleged debt. I have never received any documentation requesting validation from Credit Corp Solutions before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking.

If Credit Corp Solutions can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Credit Corp Solutions can provide me with sufficient documentary evidence that I have any legal obligation to pay them. 
If this documentary evidence can not be produced and Credit Corp Solutions continues its collection efforts, I will file for litigation for actual damages caused and Credit Corp Solutions will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. 
Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

During XX/XX/XXXX Merchant XXXX XXXX Charged me {$81.00}. 

During XX/XX/XXXX XXXX XXXX Charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 


XXXX  XXXX is a Gym Where I started receiving service as a member, but according to the contract, they were only supposed to charge me {$10.00} monthly, and the amount of {$81.00} was a completely unfair charge for no reason nor did they provide me any reason for it. My Bank of America credit card account is in jeopardy because of all the unfair and overcharging misbehavior and misdeeds done by Merchant XXXX XXXX, and I'm afraid that justice will not be done to me in this case.
Product: Checking or savings account

On XX/XX/XXXX I filed a dispute on a merchant through XXXX with Citibank for an amount of {$2300.00}. I contacted everyone and Citibank was the only one willing to help me out, I tried telling XXXX and XXXX so much about the situation but they didnt really help me all they told me was to file a dispute with my bank which I did. XXXX and XXXX had the worst customer service ever especially XXXX  since I was barely able to contact them. Only response I got from XXXX was to dispute it and a month later Citibank tells me they was not in my favor and took money out which I dont think its fair. I tried reaching out for help and although I didnt receive the items I dont think its right for them reach that final decision. I tried giving as much as information I could, I hope you guys can help me out because this is really stressful and not fair. I didnt receive nothing for me to be charged that amount.
Product: Debt collection

Almost every day, I receive calls from Why Not  Lease  It on average of  XXXX  calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a   XXXX   XXXX   XXXX   on this loan, this has gone far beyond harassing. I have counted this many calls  XXXX  in a day 's time for weeks now. I have the phone log records from  XXXX  to show this and back my claim which are included for the days going back to JUST the  XXXX .
Product: Debt collection

On XX/XX/2021 I sent a certified letter in regards to a letter I received onXX/XX/2021from Capital management service LP, regarding this alleged debt. I requested that they send me validation of this debt and they sent billing statements. OnXX/XX/2021I sent another certified letter indicating : :You are hereby requested to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

2. You are also requested to CEASE and DESIST contacting me with regards to this matter, unless it is to notify me via U.S mail that you will be terminating all attempts to collect this alleged debt. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

They responded back with the same documents that they previously submitted.
Product: Credit reporting or other personal consumer reports

hello my name is XXXX XXXX EXPERIAN INVESTIGATED MY DIPSUTES IN ONLY 1 BUSINESS DAYS? HOW IS THAT POSSIBLE? DID THEY ONLY USE Automated Consumer Dispute Verification ( ACDV ) system AGAIN?? WHERE ARE THE REQUESTED WRITTEN DISPUTE RESULTS? WHERE IS THE PROOF OF THE PERSON THEY VERFIED THE DISPUTE WITH? WHERE IS ALL THE DOCUMENTATION I REQUESTED THAT EXPERIAN USED TO VERIFY MY DISPUTE? EXPERIAN CLAIMS MY DISPUTED ACCOUNT WAS VERFIED AND UPDATED? HOW? NOTHING CHANGED!! PLEASE SEE THE BELOW COPIED INFORMATION FROM EXPERIAN DISPUTE CENTER THE " STATUS UPDATED '' DATE IS STILL SHOWINGXXXX XXXX?? A CLEAR SIGN THAT NO INVESTIGATION WAS DONE, ONLY XXXX XXXX WAS USED AND CHARGED OFF : Account info Account name XXXX XXXX AccouNT NUMBER XXXX Account type Credit card Date opened XXXX Closed. {$1800.00} CHARGED OFF. Account info Account name XXXX XXXX AccouNT NUMBER XXXX Account type Credit card Date opened XXXX Closed. $ {$1500.00} CHARGED OFF. PLEASE SEE BELOW HOW FAST MY DISPUTE WAS " SUPPOSEDLY VERIFIED '' : The dispute for the account with XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. Source : Experian Date Submitted XXXX Estimated Resolution Date : XX/XX/XXXX Report Number XXXX Account Number XXXX The dispute for the account with XXXX XXXX that starts with XXXX has been updated. Source : Experian Date Submitted XXXX Report Number:XXXX Account Number:XXXX  Company : XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALSO ISNT ANY OF MY ADDRESSES LISTED ON MY EXPERIAN CREDIT REPORT I NEVER LIVED THERE. SO MANY VIOLATIONS OF MY DISPUTES FOR THE LAST 8 MONTHS. THIS HAS TO STOP!!! EXPERIAN IS CAUSING ME TO STILL BE UNEMPLOYED AND I AM SUFFERING FINANCIAL HARDSHIP BECAUSE OF EXPERIAN IS INACCURATE REPORTING! AND NOW I CANT USE MY CREDIT TO GET ME ANY KIDS A HOUSE BECAUSE THIS IS EFFECTING MY ABILITY TO USE MY CREDIT I GOT DENIED FOR A HOME. IM SO SAD CANT GET MY KIDS INTO A SAFE ENVIRMOENT. EXPERIAN IS VIOLATING FCRA Section 623 ( 5 ) ( A ) BECAUSE EXPERIAN RESPONDED TO MY DIPSUTE AGAIN AND AGAIN BY ILLEGALLY RE-AGING THIS INVALID AND INACCUARTE DISPUTED ACCOUNT : XXXX XXXX EXPERIAN INCORRECTLY AND ILLEGALLY REPORTED AGAIN TODAY AS WELL I EVEN PULLED MY CREDIT AGAIN FROM XXXX XXXX XXXX XXXX AND EXPERIAN WEBSITE THAT THIS ABOVE ACCOUNT WAS CHARGED OFF, THEY STATED ON MY CREDIT REPORT THAT THE CHARGE OFF DATE WAS XXXX XXXX SO WHY DID THEY REPORT THIS INCORRECT CHARGE OFF STATUS AGAIN TODAY XX/XX/XXXX WHEN IT WAS SUPPOSEDLY CHARGED OFF XXXX XXXX? THIS IS THE DIRECT REPSONSE AND ACTION EXPERIAN GIVES ME TO MY ORIGINAL DISPUTE FROM XX/XX/XXXX THEY SIMPLY REPORT THE SAME INCORRECT ACCOUNT STATUS OVER AND OVER, INSTEAD OF CONDUCTING A REQUIRED INDEPENDENT INVESTIGATION? WHY DOES MY CREDIT REPORT STILL SHOWS " Date updated '' - XX/XX/XXXX REPORT NUMBER XXXX? XXXX NOTHING HAS BEEN INVESTIGATED? SO MANY FCRA VIOLATIONS BY EXPERIAN- THIS NEEDS TO STOP-ASAP BEOFORE I FILE LIGATION
Product: Checking or savings account

I left an employer with a XXXX at Bank of Oklahoma Financial Services. After XXXX days BOK sent me a letter of correspondence stating that if my account was less than {$1000.00} they would be sending a disbursement to me to close the account. On XX/XX/year> I checked my balance and a disbursement had been made for {$970.00}. I have never received these funds so I sent in a message asking what happened to the funds. I was told it was transferred to an XXXX  at Bank of Oklahoma Bank. I do not want to have multiple XXXX accounts all over the place and that is why I did not respond to the correspondence because it said anything less than {$1000.00} would be disbursed to the participant. I sent another message reminding them of their correspondence and to correct the error. They replied that my past employer made them put the money in an XXXX  and I know that is not correct as a former employer. This was not truthful and was a way to try and get me to do something different. I would like the money disbursed to me to put in my other XXXX and I am not paying a penalty for pulling it out of their CD early. I have been in banking for over XXXX years and this was blatant misrepresentation to what would occur.
Product: Checking or savings account

I was charged exhorbitant late fees at Wells Fargo, several times from XXXX to XXXX. 

In some cases there were multiple charges in a single day, which I consider abusive.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed XXXX  the Police report and called disputed numerous times and nothing has been done!
Product: Vehicle loan or lease

Before repossession try to contact the company they never responded until vehicle was repossessed with deceptive, XXXX  tactics on my job. Made agreement for {$900.00} and a monthly payment of $ XXXX. They refused to give anything in writing but threatened if payment is not made on time vehicle will be repossessed. After receiving vehicle there was damage on vehicle which will cost almost {$1000.00} to replace broken lights back & front of vehicle assuming from towing and storage
Product: Checking or savings account

I was charged overdraft fees on payments that we made without my permission and I was not able to get funds back because of that
Product: Debt collection

A woman from what she stated as XXXX XXXX XXXX has been calling multiple family members, some of which are in-laws saying I am in litigation and they are issuing an affidavit. I do n't know of any loans and none of the family members would be on my financials for a legitimate debt collector to even be abiding by the Fair Credit Act. The voice mails are vague, do n't leave case info, docket info, or any other info other than a phone number. This has been constant and distressing to me and my extended family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that XXXX and Equifax Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit card or prepaid card

I have a loan with CB/VICSCRT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CB/VICSCRT with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part.
Product: Student loan

Attempting to be added to the current Navient class action CFPB v. XXXX XXXX, Navient Solutions , Inc., and XXXX XXXX XXXX XXXX. ( collectively defendants ). 

Navient is accused of unlawful acts and practices in connection with Defendants servicing and collection of student loans. Please add me to This CLASS ACTION suit, Navient is the Servicer of the loans listed below ( Loan type, school attended, original amount, principal balance : 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 TOTAL OUTSTANDING BALANCE OF LOANS THAT NAVIENT SERVICES : {$7000.00}
Product: Debt collection

" Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me.
Product: Debt collection

On XX/XX/2021 I called Credit Systems to inform that I paid the XXXX  account in full and to ask them to remove the collection from my XXXX  credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.