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

I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX  Account XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, TitleVI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I have attempted to correct this issue with the credit agencies for the pass two years. Each of these companies continue to report inaccurate information that are part of an identity theft. I want the inaccurate information removed promptly according to federal law 15 usc 1681 611 ( 5 ) ( a ).
Product: Credit reporting or other personal consumer reports

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$620.00} XXXX/XXXX  {$1200.00} XXXX XXXX {$3300.00}
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, Zip Code ] Re : Letter to remove XXXX XXXX XXXX to whom it XXXX concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter.

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Credit reporting or other personal consumer reports

I have been attempting to freeze my XXXX kids ' credit with all three bureaus. I was able to freeze XXXX kids ' credit no problem and my oldest daughter 's credit with two bureaus with no problem the first time. However after 3 attempts over at least 6 months and being meticulous about ensuring all required items are submitted to Equifax each time, they always come up with some excuse for why they can not freeze my oldest kid 's credit. So now they have personal and sensitive documents to include copies of social security cards, birth certificates, and driver 's licenses which they have acknowledged receipt of three times, but every time I call, they can't tell me what they did with these documents and have no record of them despite them sending me letters saying they received the items. They also still have not frozen the credit for the information that I can only assume is now more at risk with their mishandling three times. They simply send letters each time asking for the same information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. 
I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. 
I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future. 
Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. 
I anticipate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( XXXX ) sold my account debt of {$590.00} to XXXX XXXX XXXX and closed the account on XX/XX/2017. When I check my credit report, the balance owed still shows {$590.00} and not {$0.00}. Since the account was sold I am no longer obligated to pay XXXX and the account balance should be {$0.00}. This was confirmed when I called XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, alleged debt purchaser, Portfolio Recovery Associates, placed a negative collections account on my credit report for {$580.00}. Original creditor is identified as XXXX XXXX XXXX. Last year, I filed disputes with the major credit reporting agencies including XXXX about this account which I believe is the result of a computer error. My dispute requested transaction and payment ledgers, with dates, starting with a running balance of zero to prove the stated balance and date of delinquency. On XXXX, XXXX agreed to delete the account from my credit report with all credit reporting agencies because it was unable to produce the requested debt verification documents. I do not believe XXXX could or would have sold the debt to anyone under these circumstances. To date, Portfolio Recovery Associates has not responded to my requests for the same debt verification documents, the written assignment of rights, bill of sale, credit agreement and all receipts and documents that prove the chain of ownership of this account between XXXX and Portfolio Recovery Associates. My XXXX score dropped XXXX points today after this account was placed on my credit report. As an attorney, I believe PRA 's action of placing this on my credit report today violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Ohio Consumer Sales Practices Act, among other statutes.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a new XXXX  XXXX XXXX XXXX replacing my existing Lease for a XXXX XXXX XXXX. With 2 payments left I agreed with the dealership XXXX XXXX  in XXXX that I will take care of 1 payment and they will pay for the next one. Not eve 15 days ago we received a bill from Hyundai Motor Finance telling us that we owe XXXX. We are calling since then to contact some one in both Hyundai Motor Finance and XXXX XXXX. Today they finally answer at Hyundai Motor Finance and an agent named XXXX said that is nothing they can do. At this point they reported me to the credit bureauowhile I'm in the process of closing in a new home. These times with covid has been difficult and this company in specific is getting our business and doing this process all wrong. 
This is no the first time it happens with them. Back in XXXX we had the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! XXXX sent me a letter that had nothing to do with the disputes claiming it was someone else.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 my 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 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. 


Experian 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: Credit reporting or other personal consumer reports

I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX for a XXXX in Colorado at a company called XXXX XXXX XXXX. After waiting for three long weeks from the background check company named XXXX the company exercise their right not to hire me or whatever that is. Ive been exercise my rights and requested a copy for myself, thats when I noticed that they were able to see completed misdemeanor charges all the way back to XXXX. I have not been able to seek employment that my educational and experience level should have because of these background checks. I thought that after seven years things go away and are unable to be researched by background companies. I really need help I deserve a good job and its been so hard to get it and I dont think Im being treated fairly because companies are seeing mistakes I made from almost 20 years ago. 
I followed there rules to dispute and wrote to them & now Im here with no reply still XXXX and very tired of fighting charges from XXXX! 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.
Product: Checking or savings account

my name is XXXX XXXX i had account with state employyes credit union i got a personal loan was paying lost my job tried to negotiate payment plan they wouldnt accept my offer reported to credit bureau will not erase it after 7 years
Product: Money transfer, virtual currency, or money service

On XX/XX/31 my phone was stolen. Using find my XXXX on my XXXX, I was able to track the location of my stolen phone. Local sheriffs office refused to accompany me to the location so I went myself. When I showed them my state police badge, they gave me the phone back. When I checked my bank account I noticed the person who stole my phone sent {$500.00} from my bank account via XXXX. Im assuming this is due to me not having any passcodes on my phone ( Because the face recognition does not work when wearing a mask ) So I submitted a fraud claim with my bank, Wells Fargo. Wells Fargo denied my claim, despite me not authorizing this transaction. I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX and received an automated acknowledgment email stating I would hear something back within 10 business days. I have heard nothing. I emailed again on XX/XX/XXXX. Again, nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up years ago for Experian 's free sporadic emails on credit. I received a thank you for checking my report in XX/XX/22, see a loan I do not recognize, and a a credit card was requested in my name. Experian 's voice system does not allow for a caller to reach a human being, asks for information up front twice ( odd AND I fear XXXX ), and does not allow me to report fraud ( only get a credit report which will go somewhere else, freeze credit which does not fix past damage, and hear explanations ). 

Your role under the FCRA is to keep these data havesters in line. Please assist
Product: Debt collection

XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
Product: Student loan

This is a loan that is fraudulent and I should not have to pay it. My school ( XXXX XXXX XXXX XXXX XXXX ) was deemed fraudulent and my federal loans have been forgiven via lawsuit XXXX v XXXX yet Im still being charged by navient for the private part of said loans.
Product: Credit reporting or other personal consumer reports

My account with those acounts was never late! I have had exceptional payment history witH XXXX XXXX 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 my 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 those 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.

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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner
Product: Credit card or prepaid card

I've desputed XXXX claims with Bank of America and they keep denying them iv| told them numerous times that i didn't receive the money that was taken from the account and i was unaware of these transactions, .. how many times do I have to get denied by them when i keep them the i was a victim of identity theft
Product: Mortgage

XXXX XX/XX/2021, I attempted to pay off my home 's $ XXXX principle. I logged into PennyMac.com website to accomplish this. PennyMac 's system accepted a XXXX daily payment of {$99000.00}. I paid this amount on XXXX XXXX then attempted to make my XXXX payment but their system wouldn't allow me to pay the remainder. I attempted several amounts until it accepted another $ XXXX amount ( XXXX XXXX ). The $ XXXX difference it would never let me pay so I phoned & after XXXX min of wait time I was able to speak with an agent. I was told I had to request a payoff amount to conclude the loan and it would cost? {$20.00}. I reluctantly accepted this ( twice as I recall ) but never received the payoff amount ( didn't verify but probably was charged the fee ). Disappointed & not desiring to spend the time or money to speak with another representative to try a third time, I decided to incur the incremental finance charges & let my monthly recurring deduction cover the XXXX XXXXXXXX balance ( PennyMac has been deducting XXXX XXXX monthly since the loan 's inception ). In XXXXXXXX, I owed ~ {$800.00} so expected their auto withdrawal would pay off my balance but PennyMac unexpectedly ceased withdrawing from my account. In XXXX, I received a notice that I was XXXX months behind in making house payments. I phoned again - spending my XXXX minutes with their representative. I attempted to pay to remove myself from the " Delinquent '' status but she was unable to accept due to only owing {$860.00}. She informed me she was going to request a payoff amount & it'd post in my account in XXXX hours. I shared the failure of this process in times past. She suggested I provide my fax number as this is apparently a more dependable process. I'm like most of the XXXX population that does not have a fax machine for personal use & find this a clear indicator of a business trying not to facilitate communication. So, I checked my online account for this payoff note but it was not there. Today, I had a person pull into my drive to take photos of the house at the request of PennyMac. I believe PennyMac is purposely making it difficult/impossible for their consumers ( me specifically ) to payoff their loans. I believe their motive is clear ( incremental interest billing, fees & fines, deed to a XXXX XXXXXXXX home where all but {$860.00} has been paid off ).