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

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experian has neither corrected nor removed dispute items dispite the evidence I provided, causing ongoing harm to my credit standing.i am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. As a result of this happening to me I have had to deal with the aftermath of it for the past 3 years. ImDespite numerous attempts to resolve this matter, Equifax has done nothing but continuously report this fraudulent medical bill on my consumer file. When I contact them they say there is nothing they can do but file another dispute. Equifax has failed to positively verify these fraudulent accounts. And have ignored every attempt Ive made to resolve this matter. Please see attached documents of 2 separate police reports & detectives contact information. Equifaxs willful negligence and repeated violations has caused me emotional stress. Ive had to take off from work to deal with this. Equifax just refuse to do their job and follow the law. XXXX  and XXXX  has removed this and blocked this fraudulent account, however Equifax continues to report it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

I 'm writing in regards to an amount of {$62.00} under METRO REP COMM SVC INC # XXXX that still continues to show on my XXXX credit reporting agencies reports as unpaid, despite it being satisfied. I would like COMM SVC INC to contact XXXX other reporting agencies noting that this amount ( {$62.00} ) has indeed been satisfied and to remove from my XXXX other credit reporting agencies. Would like a letter of satisfaction mailed to me as well. 

COMPANY : METRO REP COMM XXXX account # XXXX XXXX Address XXXXPhone : ( 951 ) 273-7700
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Target Credit Department to discuss my account ending in XXXX. It showed a charge off account in the amount of {$980.00}. I didn't know that an account that has been claimed as a loss was supposed to still have a balance. The customer service agent told me I could settle the account for {$320.00} and it would be off my credit. 

XX/XX/XXXX, my credit report shows Target updated my account with a balance owed of {$660.00}.
Product: Mortgage

I made arrangement to pay Statebridge Mortgage HOA fees they paid on my behalf in XX/XX/2018. 
Had a payment plan with them to pay XXXX XXXX monthly. 
The first month it was due was XX/XX/2018. I sent a check, but unfortunately I wrote {$24.00} in the check box. The correct amount of {$2400.00} was written out. 

Statebridge returned check. I sent a money order. For Two months I sent them my payments. 

In XX/XX/XXXX they sent a mortgage statement saying I owed {$10000.00}. I called. They said the payment plan was canceled because the 1st payment got to them late. They never called to say the plan was cancelled. The account was under Loss Mitigation. 

They held on to the money order, the 2 checks, then referred it to an attorney almost 4 months after. 

The check they returned could have been cashed because once the correct amount is written its acceptable. 

I now racked up attorney fees because of their underhanded tactics. 

As of 2 weeks ago I paid them over {$14000.00}. 

I would like to file this complaint because Im sick of the illegal tactics being used by these companies & they being allowed to get away with it. 

I would therefore like to regain the attorneys fees I paid. 

To understand how they operate, every week at a total of about 3 calls a week, some rep called asking about how I intend to pay. Its like the left hand didnt know what the right was doing. They never had it in their records that it was referred to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Exeter Finance has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX  | XX/XX/2023 : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been notified twice ( XX/XX/XXXX & XX/XX/XXXX ) by Experian of 2 different collection companies that claim an unpaid balance on a XXXX account closed with a XXXX balance on XX/XX/XXXX. Ive filed 2 disputes XXXX despite was answered to Experian by the collection company as under investigation but was never answered. 1. ) In XX/XX/XXXX I spoke to a supposed XXXX representative who said XXXX had been sold to XXXX XXXX XXXX and she couldnt find my account as it wasnt w/ XXXX XXXX XXXX but implied the error was bc I had not sent back equipment, we clarified that was an error and she told me my only recourse since my account was opened under XXXX before XXXX XXXX XXXX acquired XXXX was to file a police report of stolen identity even though I didnt believe my identity was stolen. I believed she had documented and clarified the error. The collection company never gave a determination to the dispute. 2. ) On XX/XX/XXXX I was again notified by Experian of the same unpaid balance but now the collection notice was under a different collection agency. I again disputed the error but this time I called my XXXX XXXX  insurer who suggested dealing w XXXX and provided my w/ a phone number. I spoke to someone name XXXX who did find my account and first told me my account was now closed by XXXX XXXX XXXX but had been placed in collections because on XXXX XXXX I had called to close my account because I was moving but the account had instead been placed on a pause status for 6 mos. and then reinstated XX/XX/XXXX. I informed XXXX this couldnt be true as I had closed my account. XXXX then gave me a phone number of who he identified as a XXXX billing representative who could help me. XXXX XXXX  had warned me not to allow XXXX to tell me they couldnt help and advised me only XXXX could rectify the issue. I told XXXX that I couldnt be helped by a phone number to a collection company and XXXX said he was not giving me the number of a collection company but he was giving a special DirectTV phone number to correct the error. The number XXXX from XXXX was not XXXX & XXXX but rather the second collection company
Product: Debt collection

Receive daily calls from Gila LLC XXXX calls daily attempting to collect a debit from State of Utah for an assault court charge.from 1991. Never had an committed an assault crime in UT or anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity ThefXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Mortgage

My mortgage was recently transferred from XXXX XXXX  to New Rez. I had late charges and was offered a settlement of late charges in the amount of XXXX. I paid this fee. They were supposed to send me an email confirmation and cancel the rest of the fees. That never came. I called and New Rez, or acutally I was speaking to someone from a company called Shellpoint, said they had received the payment, but had no record of the letter they sent. I was to then send the letter, which I can not currently locate. I do not think the burden of proof should be with me. I don't understand how they can not find the correspondence as it came directly from New Rez. I want them to forgive the rest of the charges and send me a copy of the correspondence.
Product: Payday loan, title loan, or personal loan

My checking Line of Credit product is overdrawn. Upon the payment coming overdue by 1 day, the institution took all funds out of my checking account automatically and applied it to the overdrawn balance. A week later my military paycheck deposited into my checking account and every penny was immediately transferred toward the balance as well, automatically. I contacted the institution and they informed me they refuse to reverse the transfers and that any money in the account will be automatically transferred until the balance is satisfied. This is, in effect, garnishing my wages and also caused approximately 35 NSF fees totally ~ {$750.00} because they will not allow me to deposit funds to cover these payments. I am in touch with an attorney and prepared to take this matter to court for the full amount of any debts with the institution with additional funds for the financial stress and credit damage that this has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts were frozen on XX/XX/XXXX, yet Equifax has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several items on my report numerous times. Every time they come back they tell me that the information is accurate but they show me no proof. The tax liens on my report they will not remove and the other charges when I have told them that it is not accurate.
Product: Checking or savings account

On XX/XX/year> Funds were wired into my XXXX account, but when i went online to verify my account was not available online. When i called to check the rep said there is a system outage and my account could not be accessed at all. It is now XX/XX/year> my account access is still unavailable, I can't see if the wire was processed or see any available funds or even see the account period. This Capital One Outage has been going on for days and I can not access my account or funds.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010
Product: Credit card

So, I opened an account with UsBank a few years ago, around XX/XX/2021. During that time, I did a balance transfer, and was working on paying it off. Earlier this year, about a year and a half after that transfer went through and during which I was making payments, UsBank demanded that I verify my identity by sending them tax information. I sent them a copy of my DL and my social security card, but they said that was insufficient. I've never had a credit card company ask for my taxes, so I refused. They then " closed '' the account, ie they set the credit limit to XXXX. I was worried that they might start charging interest on the remaining balance, so I paid it off. After a few months of having a positive balance, since an autopay went through after I paid it off, I eventually got them to send me a check for that positive balance. So now the balance on the account is XXXX. I asked them to completely remove this account, and they said they would, but so far they haven't done anything else. At this point, I just want my account to actually be closed. This kind of treatment is unacceptable, and I do not want them to continue to have my account on their books, especially if I can't even use it. But I can see that the web login still works, and the account still shows up in there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was charged {$19.00} by Transunion. They auto-enrolled me for their credit monitoring service after I had gotten a free credit report on XXXX and then created an account on their website to view my credit score. They asked for my credit card info when creating an account but didn't quote me a price. I never gave authorization for the {$19.00} monthly charge. 

On XX/XX/2019 I noticed the charge on my credit card statement and canceled the subscription from Transunion 's website. I had to call Transunion to have ask for the {$19.00} charge to be refunded. They agreed to refund the charge. The refund will take 3-5 business days.
Product: Credit reporting or other personal consumer reports

This account was charged off but still is being reported on my credit effecting my XXXXredit score and I have yet to receive no updated information or 1099c for this charge off this is inaccurate reporting under 15 USc 1681 ( e ) B this is breaking the FCA law.
Product: Debt collection

I received notice that this Company was added to me credit report, I had never heard of them before so I contacted them and asked for them to validate the debt.I have repeatedly wrote letters to them, i also sent a Certified letter too and it was returned to me because the address they gave me was incorrect, so I looked up another one re- sent it, I think they are committing fraud. They have not provided and services or goods to so why do I have to pay them money
Product: Debt collection

This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 XXXXXX/XX/year>
Product: Debt collection

Commonwealth Financial Systems Inc. is reporting an outstanding collections account in the amount of {$1000.00} on my credit reports. Not only do I not owe this amount in medical debt, after researching, I found that this company is violating Texas ' Licensing Requirements. I have attached a screenshot of the company 's license info that I've retrieved from the Texas Secretary of State Debt Collector Search. I would like this debt removed from all of my credit reports with all three credit bureaus immediately. I would also like to be updated on this process. This debt is not only a violation, it should not be on my credit report. On the date of service, I was covered medically under XXXX XXXX ( XXXX  Military Insurance ) insurance and I provided this information at this time. XXXX was never billed by the provider. This is a provider error and has wrongfully been placed in collections. The date of service has reached 7 years and is too old to be on my credit report as well.
Product: Credit card

On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has opened and closed an account on my credit that is not mines please have them remove the whole account.