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

I contacted both Experian, and XXXX multiple times since paying off an XXXX XXXX XX/XX/XXXX. I provided documentation from XXXX to Experian on XX/XX/XXXX showing the account was paid in full XX/XX/XXXX. Experian contacted XXXX XX/XX/XXXX, despite my documentation, who incorrectly reported that the balance was correct, when it was already paid and closed, reflecting it paid and closed in both confirmations sent to me, and in my XXXX account management. I re-disputed the account, providing the documents again. Experian re-closed the dispute XX/XX/XXXX, claiming again that they " confirmed with the XXXX lender that the information is correct. ". I again reported it as closed/XXXX  balance, providing the documents a 3rd time. I contacted XXXX on XX/XX/XXXX, requesting they update the information immediately. They sent a confirmation of receipt of my written request stating they would respond in 24 hours. They did not respond. I have submitted a 4th dispute with document with Experian. This is getting ridiculous. When a consumer provides proof, how can they unilaterally ignore it and go with a dishonest report from a company? This account is closed and XXXX balance. Furthermore, another account by XXXX is reporting XXXX paid off when 3 payments have been made. These companies are adversely reporting incorrect information and the credit bureau is not fixing their error when the have been provided proof 4 times. How are they doing this? I want my information corrected, and ignoring a dispute with documented evidence is unconscionable. They also refused to remove 2 inquiries that were not mine or authorized by me, addresses I have never resided at nor used, incorrect names that I have never used, and they refuse to correct the information. I can not believe that companies like Experian, who have control over consumers lives, have no accountability to the consumer. I think this is something that needs to be addressed. When a consumer provides proof that information is incorrect, it should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number XXXX XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXXXXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 8. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
Product: Debt collection

Date Opened XX/XX/year> {$210.00} the company keeps calling and calling i was unemployed with XXXX XXXXXXXX this is hurting my credit and my family
Product: Money transfer, virtual currency, or money service

I was trying to book a wedding venue, called XXXX XXXX in North Carolina. The only form of payment that they would accept was XXXX XXXX or XXXX pay. I downloaded XXXX XXXX and tried to send her the deposit of {$250.00} on XX/XX/XXXX. While entering her name of $ XXXX, I received a text message while typing XXXX XXXX and it stopped and I sent the {$250.00} to a stranger that I do not know. I instantly tried to cancel the transaction and XXXX XXXX would not allow me to do so. I also tried to request the {$250.00} back from that person and I receive an error message that reads " We are unable to request cash from XXXX. Please contact them and ask them to send cash instead. '' I contacted XXXX XXXX support on Monday XX/XX/XXXX to tell them what happened and they said because it's an instant transfer they can not cancel it, and I would need to contact the person and ask for money back, since I do not know that person there is no way to do that. I reached out to my bank XX/XX/XXXX when funds cleared and disputed transaction. On Sunday XX/XX/XXXX I recieved a letter stating claim for dispute was denied. I have called them Monday XX/XX/XXXX requesting a reason why and complaint, they stated someone would call me back. Never received any phone call and on XX/XX/XXXX funds were back withdrawn my account and also charged me two fees. I reached out to PNC bank again and told them if not protected against this kind of fraud to close my account.
Product: Credit card

I signed up for Ulta cosmetics Mastercard in the store and charges a small Amount to it. Later I got a letter that said oh we cant give you those terms but we did give you a card. Which is wrong to me why approve it then change the deal after? 
Anyway, I didnt hear anything else and forgot about it. 
Not sure how long later, maybe 2 months? I found a plain white envelope in my junk mail with no markings, it was the card. It took me a bit to figure out how to get online but I paid the balance in full XX/XX/06. I have never used the card since and forgot about it, it now has a balance of like XXXX because they are charging late fees and interest to late fees and interest! I saw some missed calls so. I logged and and was like what??? I havent used it and paid it off why would I even know they are doing that? 
I have messaged them and included the screen shot but no response other then we did mail you a bill to that address. After I paid in full there shouldnt continue to be fees on fees it is insane the card would never be paid in full
Product: Credit reporting or other personal consumer reports

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis 260 F. Supp 2d711 ( SD Ind.2003 ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Product: Debt collection

I got a call and they said in XXXX I took out a {$650.00} loan, with " Easy Money '' a payday lender and when they went to collect for it my bank denied the payment. I requested more information, like the date the loan was taken out, and when the payment was denied. I asked for their address they refused. I also asked to get a copy the contract and disclosures they refused. It was a check apparently they blindly sent in the mail, I assume. I always tear up those come-ons. Then said they were trying settle the debt but now is {$900.00} and if they take me small claims court it will grow to {$1500.00}. I again asked for proof that I actually owed money, because I have NO knowledge of taking out the loan they described. If I had I would have paid it back. I also have check guarantee, so I would have thought if they had actually tried to collect it would have honored. Also, it is strange that they would not know that in XXXX there is a time limitation on collecting a debt of XXXX years and they said the loan and failure to pay was in XXXX, XXXX plus years past the date to collect a bad debt ( except for a couple of exceptions ). I contacted the XXXX Police after the call and they said sounded like a scam, but they could not do anything. I then called my bank to get a list of any {$650.00} deposits and/or returned unpaid payments from checking account but they could only go back to XX/XX/2015, XXXX years. They found nothing. The customer service person at my bank also thought it sound like a scam. 

1. I am XXXX years, old but have all my wits about. If would have paid a debt if I owed it, but I don't believe I do. 
2. I then pulled my credit report all three bureaus and found no such account. I have XXXX FICO on all three reporting agencies. 
3. I firmly believe this is fraudulent request for money. About XXXX years ago, I got a call from XXXX Bank, which I had a card at that time, They asked if I was applying for another credit card and I said no. They told me someone was trying to get a credit card with them under my name but with a different address than mine. So, I am wary identity theft. In that case I reported it to XXXX XXXX Police report and they took my statement. Obviously, my SSN number is out there and other information is pretty easy to get on the internet. 

When they call a XXXX XXXX, left a message, and they gave to XXXX XXXX, who turn out to be the original person I spoke originally a XXXX XXXX XXXX. Apparently their was not XXXX XXXX. Who again refused to provide any proof of the debt. He said they sent out statements numerous time, which I never got. They used several different phone numbers.
Product: Debt collection

I have a Hunter Warfield account across my XXXX credit bureaus with the # XXXX. Personally, I, XXXX XXXX living at XXXX XXXX  XXXX  # XXXX XXXX XXXX, FL XXXX through all my years on this Earth and living at this address the past 10 years have never one came across or did business with the company listed above. The activities they are engaging in is illegal and I am willing to proceed with legal action if I don't get a response within 15 days with this unknown debt of {$18000.00}. I have had my identity compromised in the past however, this is absurd and according to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy amount other things which Hunter Warfield are in violation as I never gave you my information directly, and I, XXXX XXXX a consumer in fact, agree with Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. code 1692 ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation.

no credit debt should be on my XXXX  account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX  should remove promptly from my report. 
1ST STATE COLLECTION XXXX has been PAID IN FULL ( Showing on my report ) 2ND state collection -should be deleted not my charge XXXX 3rd XXXX  XXXX XXXX  should be deleted not verified XXXX Total of XXXX They have received information on this prior.
Product: Checking or savings account

Someone opened a checking account and linked it to my savings account without me knowing and began transferring thousands of dollars ( usually in increments of {$1000.00} to {$3000.00} ) at a time to the checking and withdrawing all my money within the span of a couple of weeks in XX/XX/2021, my account was completely emptied ( {$75000.00} ). I had this account for several years and I only used this account to save my money ( for my retirement ) so there were not many transactions until this happened and most transactions were deposits.
Product: Debt collection

I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX, which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill, XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report GM financial repossession so the account has been closed and it needs to be removed from my report
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in my account to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Debt collection

Someone used my personal information to start an electric account in my name. I received a letter in the mail, which says I owe {$460.00} for an electric bill for XX/XX/year> The address its regarding to is not my address nor any of my previous addresses. After further investigation on this address provided, it belong to a female by the name XXXX XXXX who was an employee in my place of employment and obtained my information illegally. I did not give my social nor this person information to use my personal information for a XXXX energy bill. This person also, has an federal case in Ohio for Identity Theft and other charges.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding an issue with the dispute process I initiated with Equifax and XXXX, which has yet to be resolved to my satisfaction. 

In XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, I submitted disputes to both Equifax and XXXX concerning inaccuracies on my credit report. Despite my efforts to address these discrepancies, the disputes were either not properly resolved or were not thoroughly investigated in line with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have reason to believe that : Inadequate Investigation : Equifax and XXXX did not conduct a sufficient investigation into the disputed items. 
Failure to Remove Inaccuracies : The inaccuracies that were disputed were not removed or corrected from my credit reports within the statutory time frame. 
Lack of Detailed Reporting : I did not receive the requisite detailed explanations or any adequate documentation from either credit bureau regarding their actions taken to resolve my disputes. 
These unresolved issues have had a negative impact on my credit profile, and I am requesting that the CFPB intervene and ensure that the credit bureaus fulfill their obligations to conduct a thorough investigation as outlined by law. 

I am requesting your assistance to facilitate a proper resolution of my dispute. Please let me know if you need any additional information or documentation to assist with your inquiry into this matter. 

Thank you for your time and attention to this important issue. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 


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

I have been trying to contact both XXXX and Experian to place a freeze on my credit report for several days. I was XXXX of the persons affected by the XXXX breach. 

For XXXX ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For Experian ... I tried to pay for the freeze on my account to avoid signing up for their monthly service XXXX {$4.00} to start, {$24.00} per month thereafter XXXX, however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at Experian. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with Experian? 

Much praise to XXXX. Their process was free and flawless. For Equifax and Experian, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Debt collection

The collection agency was advised in writing that the debt had been discharged in bankruptcy and that it was not to contact the debtor again since its calls violate federal law. They continue to call and now are sending letters to the attorney who advised not to call the debtor.
Product: Debt collection

An unauthorized account that I have no association with it from XXXX XXXX is showing up on my credit report. I request that this matter be investigated with immediate action. I kindly ask for removal of an inquiry from my credit report that I believe is inaccurate. Im not sure what day this account was opened, and I've called XXXX several times with resolution to this problem, no actions has been take at this time, no resolution!!
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX took back our timeshare in satisfaction of money owed to them in the amount of XXXX. But XXXX transfer our mortgage loan for the said timeshare to a third party financial services which is the Comenity bank. Comenity bank keep bugging us to pay. We wrote to Commenity bank that we do not owe the money anymore as XXXX took the timeshare back in satisfaction of money owed. Comenity bank told us they will investigate and will inform us of the result of the investigation. We never heard from comenity bank. The next thing we know, they turn us over to a collection agency. The collection agency is
Product: Debt collection

Collection company continues to report an account they can not legally verify. They are asking me to prove the account when they have no legitimate documentation for the account to collect on.