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

Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Product: Credit reporting or other personal consumer reports

Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to XXXX car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX i am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only XXXX inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


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 of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day-I have disputed on several occasions an inaccurate XXXX XXXX car loan reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020. To date I have not received a response to my last letter-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, NC. The bank that financed the vehicle was Suntrust Bank XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that BB & T and Suntrust banks merged to become Truist Bank. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with Truist account is XXXX. The account # for Suntrust ends in XXXX. I have two credit lines for {$39000.00} on my XXXX credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my XXXX credit report. Once I paid the vehicle off, I thought both banks would report to XXXX properly and with the correct accounting information for both errors on XXXX, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from Truist Bank, Credit Dispute Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The Truist Bank stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. XXXX as of XXXX is still reporting false information that it appears that the Truist Bank is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the XXXXXXXX XXXX XXXX to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my address i informed experian of this previously, or atleast i was under the impression they were advised of this please remove this address from my credit report. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, Equifax and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

They promised that they will remove derogatory information on my credit within a couple of months and have been charging me {$130.00} a month for about 9 months with no result. I just uncovered that those fees were illegal because they were not supposed to charge me until thy resolved my issues. They kept charging me for months with no results.
Product: Credit card or prepaid card

Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.
Product: Bank account or service

I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.
Product: Credit reporting or other personal consumer reports

I requested for the removal of all personal information that does not apply to my current personal data. XXXX, Equifax and XXXX have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Product: Credit card

Citibank credit card has been charging me for a service I did not sign up for called Payment Safeguard. They say I signed up for it in XXXX of 2007, but I did not sign up for this service. I requested they send me written proof or a recording stating I signed up for the service. And today, I only got a letter saying I signed up for it in XXXX of 2007, but provided me with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX XXXX at XXXX to reinvestigate account : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX SOLVERITY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
However, they stated everything was completed and accurate. But how is it that possible if the open date and the day alleged activity and how more is incorrect. According to 15 USC 168199 ( i ) 5 they were supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 604 A states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 61C ( a ) ( 5 ) section also states A consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681C ( A ) ( 5 ) Section states no reported agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes antedates the report by more than seven years.

15 U.SC. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cost to believe that the information is inaccurate. 
Also they aren't even in compliance with Metro 2 credit reporting I have evidence to prove Delete accounts : XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

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 Subject : Debt Validation and Request for Pay-to-Delete Agreement Dear Sir/Madam, Re : Account : XXXX/Opploans, XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing in response to the recent communication I received from your collection agency regarding an alleged debt associated with the above-mentioned account. This letter serves as a formal request for debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 
I hereby request that you provide me with the following information to validate the debt : 1. A complete breakdown of the debt, including the original amount claimed, any accrued interest or additional charges, and a detailed account history. 
2. Verification that your collection agency is authorized to collect this alleged debt and has obtained all necessary licenses and permissions in accordance with local and federal laws. 
3. Proof of my consent and agreement to the terms and conditions related to this debt, which should include a copy of the original signed agreement between myself and the original creditor. 
It is crucial that you provide me with a copy of the original signed agreement that demonstrates my acknowledgment and acceptance of the terms and conditions associated with this alleged debt. Without this documentation, I am unable to verify the validity of the debt and address it appropriately. 
In addition to the debt validation request, I also wish to explore the possibility of reaching a mutually agreeable resolution regarding this matter. If the alleged debt is indeed valid, I am willing to discuss a potential pay-to-delete agreement, whereby I would make a payment in exchange for the complete removal of any negative information associated with this debt from my credit reports. This arrangement would allow both parties to resolve the matter amicably and ensure that my credit history remains untarnished. 
I kindly request that you respond to this letter within 30 days of your receipt. Failure to provide the requested documentation or respond within the specified timeframe will result in the presumption that the debt is invalid and must be removed from my records. Please note that any further attempts to collect the debt without providing proper validation will be considered a violation of the FDCPA. 
I prefer to communicate in writing to maintain an accurate record of all correspondences. Therefore, I request that you refrain from contacting me via telephone or any other means, except in writing, until the debt validation process is complete. 
Thank you for your attention to this matter. I anticipate your prompt response and the provision of the requested documentation. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Date Opened : XX/XX/ Balance : {$24000.00}
Product: Debt collection

I tried working with XXXX XXXXXXXX XXXX to fix this problem in XXXX However they closed my portal and began calling and harassing me. I asked if they would open my portal. They opened it one time I started paying again. Then they closed it again. Sent to XXXXXXXX XXXX I disputed on my credit report. They stopped then I started getting emails, calls, and text from LVNV funding LLC. They call all times of the day and night send text messages and emails. I told them credit one decided not to fix this issue with a paying customer so they can stop texting, emailing, and calling. I have disputed with the credit bureau however nothing has happened. All of my other bills are paid on time. This is preventing me from getting a house. Also the credit bureau had a credit breach and my information was breached.
Product: Checking or savings account

My account will say I have funds in it but two days later I will be charged overdraft fees for no funds being in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

My credit with TransUnion has been on a freeze for a while now and I just noticed some unauthorized hard inquiries on my credit report that I don't recognize or gave anyone permission to pull my credit report. Can you please remove these XXXX hard inquiries from my credit report : XXXX. ) XXXX XXXX XXXX  XX/XX/year> XXXX. ) XXXX XX/XX/year> Also, I have attach a Identity Theft Report to my CFPB complaint on the second section!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of personal credit report on XX/XX/2018 from both credit bureaus Experian and XXXX. I noticed that some of my student loans through XXXX XXXX XXXX was on my report twice on XXXX. I wrote a letter asking them to verify and delete all double reporting that has had a great impact on my credit score because it made my debt well over {$160000.00}. XXXX   investigated this claim. many accounts were taken off. Then when they sent my credit report I noticed that some of my accounts from XXXX XXXXXXXX XXXX was deleted that were still in good standing. As ofXX/XX/XXXX both credit report reported that my student loans were included in an active Chapter XXXX, and or XXXX. I have submitted several documents that have proved that my loans were in fact in a forbearance never late. On XX/XX/2018 I was notified from XXXX   XXXX XXXX that my consolidation was approved and what my payments will be. The loans on the Experian report went into paid/closed status. The late payment for XX/XX/2018 was never removed and I never recovered my points back.