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

I have an account with Experian to check my credit score this is the site : https : //usa.experian.com/login/index I check my credit score pay the monthly fee and call over the phone to cancel my account. I was not able to cancel the account in their website there were not option to do it. They said yes my account was cancel. I paid all my debts in full and i notice that my credit score was not improve it i went and check my credit report in a free gov website. and i find out that what it was affecting my credit the most was a charge of almost {$300.00} by Experian they had never cancel my subscription adn keep charging me for almost 2 years.
Product: Debt collection

A collection account from Debt recovery solution have been added to my XXXX   reoprt for a {$130.00} medical bill. I have insurance and the bill was paid in full by them and should not have a balance due. I have disputed with them at least 3 times and they have not removed. I did ask them to validate my debt and they provided me a bill showing that it was paid in full as stated by the insurance company. I am attaching that document with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and made several attempts for XXXX to remove these multiple closed accounts off my report, and have been told there is nothing they can do. I only went to school two semesters. These people are showing on my credit as a closed loan 8 different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Account 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 XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C Section 1681 section 2 A states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian is been reporting an inquiry with XXXX XXXX XXXX dated XX/XX/year>. I had not authorized this company to do any credit check or even have any personal business with this company
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Debt collection

I have sent numerous letters to LVNV Funding regarding an alleged debt of {$16000.00} on X/XX/2017,  X/XX/2017, X/25/2017, X/XX/2017, X/XX/2017 and XX/24/2017 via certified mail. I have proof that they received these letters due to returned signatures from their company. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you
Product: Debt collection

I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.
Product: Vehicle loan or lease

My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX  ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.
Product: Debt collection

USCB America was attempting to collect a medical debt regarding a visit at a hospital that never occurred. Amount was {$650.00} due to XXXX XXXX XXXX, they said. I verified with the hospital that there are no outstanding debts, and after researching my account, the XXXX XXXX date they were giving me as a date of service doesn't exist in my file ( there were no visits in XXXX that year ). I spoke to XXXX and XXXX at USCB - XXXX is the number they called from to leave a voicemail, and is an active number if you call it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 Bankruptcy Reference # : XXXX. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Debt collection

Incident Description : On multiple occasions, unauthorized accounts were opened in my name due to identity theft, resulting in inaccuracies in my credit report. These accounts include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Opened on XX/XX/XXXX, with a reported balance of {$940.00}. I did not authorize or open this account. 
XXXX XXXX : Opened on XX/XX/XXXX, with a charged-off balance of {$20000.00}. This amount appears fraudulent and significantly inflated compared to the original balance of {$17000.00}. 
XXXX XXXX XXXX ( XXXX Account ) : Opened on XX/XX/XXXX, with a reported balance of {$100.00}. This account is not mine and was opened without my consent. 
Additionally, there are discrepancies in the balances and statuses of legitimate accounts : U.S. Department of Education Loans : Payments made in XXXX are not reflected, leading to incorrect balances of {$2100.00} and {$3600.00} on loans opened in XXXX. 
XXXX XXXX XXXX : The reported " voluntary surrender '' status is inaccurate for the auto loan opened on XX/XX/XXXX, and closed with a written-off balance of {$13000.00}. 
Actions Taken : Filed an identity theft report with relevant authorities. 
Gathered supporting documentation, including payment receipts and loan agreements, to dispute these inaccuracies. 
Submitted a formal dispute to Experian under FCRA 605B, requesting the removal of fraudulent accounts and correction of errors. 
Requested Resolution : Remove the fraudulent accounts from my credit report. 
Verify and correct payment histories and balances for legitimate accounts. 
Provide a detailed response outlining the actions taken to resolve these disputes.
Product: Credit reporting or other personal consumer reports

AFFIRM has improperly charged me late fees and also reported late payments on my consumer report, despite all my payments being made on time, in the correct amounts, and by their due dates. My account with AFFIRM has never had a late payment. This is clearly a billing mistake, indicating a possible scheme to charge extra fees. This action is disappointing and has seriously impacted my reputation, character, way of life, and family. I urgently request the removal of the incorrect late payment records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my report that should not be on there. I previously sent information regarding Identity theft and these inquiries are a part of that. 

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

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

Account # XXXX by XXXX  Account # XXXX by XXXX Account # XXXX by XXXX Account # XXXX by XXXX Account # XXXX by XXXX XXXX Account # XXXX by XXXX Account # XXXX by XXXX Below is a list of creditors who obtained my credit report without my written instructions : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information : Cases under title 11 or under bankruptcy act, civil suits or judgements and records of arrest that antedate the report by more than 7 years, paid tax liens, accounts placed for collection, or 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 reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX This is was my last complaint ID Since XXXX XXXX XXXX doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with XXXX XXXX XXXX 
In XXXX I opened credit card with XXXX XXXX XXXXXXXX, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to Transunion with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with Transunion, I received a letter from Transunion that I won dispute, nothing changed on my score! 
How can I be responsible for the XXXX XXXX XXXX unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to Transunion where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. 
Please take an action. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare is reporting multiple inaccurate payments on my closed mortgage account. which is paid in full and closed. Loancare continues to report multiple late payments on my account after I disputed the late payments on my closed mortgage account. I asked them to provide me with written proof bearing my signature showing that I had some contractual obligation to pay them as well as any supporting documents which would validate why they were reporting such slanderous remarks on my credit profile which is affecting my score and my ability to better my life. They instead send me an XXXX spreadsheet with my alleged payment history that wasn't even billing statements with their letter heads. The Item looked very suspicious and as if it were made up to validate my payment history with the company. The company has not responded to my second or third request to validate payments or remove them and they have also violated the fair credit reporting act by not marking the account disputed with all the credit bureaus that they are reporting these inaccurate payments with.
Product: Checking or savings account

I deposited a check ( {$2200.00} ) drawn on a Bank of America ( B of A ) bill pay account into my checking account also at B of A via my phone. The check was credited and then debited with an explanation " unable to locate account ''. 

I was told to that the account # could not be read and to re-deposit it. 
The check was re-deposited at a teller machine at a B of A branch. Once again the check was credited and then the amount was debited to my account. 

Over the last seven weeks I have been on the phone with B of A ( both checking account area and the XXXX XXXX  area ) and spoken to at least 10 B of A associates.. They have also requested that the maker of the check join us at 2 different occasions. 

All agree that the funds have been withdrawn from the Makers account at B of A but have no t been credited to my account at B of A. 

After several unfulfilled promises to call me back, the problem remains uncorrected after 7 weeks.. 

In summary, the check has been debited to the makers account at B of A, but have not been credited to my account also at B of A.
Product: Checking or savings account

Chase closed my account I had fraud of ach debit happan to my account now there closing account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular accounts position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/2010 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Attempted to order and XXXX from XXXX using " easy pay '' which allows multiple payments. XXXX issued account inquiry. All accounts credit bureau accounts are frozen ( which was confirmed ). Experian however replied reporting - HIGH RISK ORDER INFORMATION. 

XXXX cancelled the order and provided the letter attached to this complaint. If accounts are frozen with the credit bureaus in order to prevent fraud, then the credit bureaus should respond with that message, not a negative message indicating that the consumer presents a risk. 

In addition to this information, the credit bureaus SHOULD NOT be selling so-called credit services and presenting non-reliable vanity scores. Since at least 90 % of all financial decisions related to consumers is based on information that the bureaus collect without explicit consumer consent, they should just stick to that business and guarantee that they are providing credible, accurate, and non-damaging information with each and every single inquiry response.
Product: Debt collection

A few months ago I checked my credit and found this account reported. I have no idea who Trident Asset Management is, nor have they ever contacted me! I have repeatedly asked them to verify the debt, and have disputed it with both them and the credit bureaus, yet the account remains, and they still have not sent me anything or ever contacted me! I don't know what a Trident Asset Management is or why they are on my credit!
Product: Mortgage

I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.
Product: Debt collection

I was falsely arrested/detained in XXXX County Oklahoma in the fall of XX/XX/2017 and put in a hospital for XXXX  health treatment. For conditions, I do not have. I was illegally billed for something I did not consent to. The charges were expunged. The hospital is illegally charging me for services I did not consent to, due to the false arrest and false imprisonment. The hospital sent bills to a third-party collection. agency XXXX XXXX XXXX in Florida. XXXX XXXX XXXX does not have the lawful authority under the Fair Debt Collections Practices Act ( FDCPA ) to report to the Credit Bureau an illegal charge from a business. I have challenged the bills/collections efforts, they have failed to respond in writing to my writing request, with the false arrest, false imprisonment and expungement of the charges. 
I filed a Federal Tort claim against the State of Oklahoma and the Hospital.
Product: Debt collection

On XXXX XXXX I paid XXXX the remaining {$200.00} on my account and on XXXX XXXX I.C. systems inc. a debt collection agency reported it on my credit report as an open collections account owing {$200.00} to XXXX. The debt was invalid to begin with but I paid it anyways due to the threat of reporting it on my credit report. XXXX was never willing to provide proof that I owed the debt yet still strong armed me into paying it anyways.