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

The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Product: Student loan

A loan was FRAUDENTLY put into my name that was NOT applied for. A personal student loan was never in the agreement. Company has NOT sent any statements, terms or anything to me. It has now EXTREMELY negatively affected my credit score. When spoken to they refuse to send information or give me online account access.
Product: Checking or savings account

In 2016 I had an account with Wells Fargo. They constantly charged me fees for a student account that shouldnt have had fees. When I attempted to close my account they kept it open for almost 8 months after my request.
Product: Credit card or prepaid card

I found a fraudulently opened XXXX XXXX XXXXXXXX credit card when checking my free credit report on EXPERIAN. I filed a dispute and froze my credit report. 
I also contacted XXXX and was assured the account would be closed. I followed this up in writing Today I received an dispute result from EXPERIAN stating the information was confirmed and no item was changed on my report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am writing to dispute and address numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws. This dispute is authorized by me and was not initiated by a third party or credit clinic. My primary concerns revolve around willful noncompliance, deceptive reporting, and failure to validate or disclose crucial information regarding my credit report. 

Heres what happened : Inaccurate Reporting and Willful Noncompliance Under FCRA Section 616, credit information was accepted and reported about me without proper validation. This action shows willful noncompliance, for which there is civil liability of up to {$1000.00} per violation. 
Failure to Disclose Consumer Rights As outlined in FCRA Section 603 ( d ) ( 2 ) ( A ), my right to opt out of sharing personal information was not disclosed, violating my consumer rights and undermining transparency. 

Deceptive Reporting Late payments and inaccurate accounts were reported without validation. This violates FCRA Section 623 ( a ) ( 3 ) and does not align with Generally Accepted Accounting Principles ( GAAP ). 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) Unfair practices were employed, including reporting unverifiable debts, harassment, and disclosing debt information to third parties without my consent, all in violation of FDCPA and related regulations on acquiring location information. 

Deceptive Definitions and Finance Charges Late payments were reported without clear definitions of what constitutes late, and finance charges were determined inaccurately, both of which misrepresent the facts of my accounts. 

Unauthorized and Inaccurate Credit Report Entries There were unauthorized hard inquiries and entries in my credit report, violating permissible purpose requirements under the FCRA. 

I have outlined specific items for correction, including updates to inaccurate late payments and validation of debts for various accounts, as required under 15 U.S. Code 1692g. I have requested evidence such as original signed contracts, applications, and documentation verifying these alleged debts. If validation can not be provided, the inaccurate information must be deleted from my credit report immediately. 

Additionally, I demand the removal of all unauthorized and inaccurate accounts from my credit report. Failure to resolve these issues promptly will compel me to seek legal remedies as provided under the FCRA and FDCPA. 

Sincerely, XXXX XXXX
Product: Debt collection

Complaint Regarding Improper Billing and Debt Collection Practices Details of the Complaint : I am filing this complaint regarding a debt reported by Sunrise Credit Services on my credit report for an amount of {$1100.00}. This debt originates from XXXX XXXX, and I believe it has been sent to collections improperly. 

Here are the key details of my case : 1.I had a billing dispute with XXXX XXXX regarding charges on my account. Despite my attempts to resolve this issue with XXXX XXXX directly, the company did not address my concerns or provide adequate justification for the charges. 

2.Without proper resolution, XXXX XXXX XXXX XXXX account to a collection agency, Sunrise Credit Services XXXX which now appears on my credit report as a collection account. 

XXXX has negatively impacted my XXXX XXXX, and I believe the collection was unjustified, as the original dispute with XXXX XXXX XXXX never properly investigated or resolved. 

Supporting Information : I have attached relevant documentation, including credit report showing the Sunrise Credit Services entry and any prior communications with Credo Mobile. 

I trust the CFPB will review this matter and assist in ensuring fair billing and reporting practices are followed.
Product: Debt collection

To whom it may concern, 1. First Choice has not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2. First Choice has not given me the opportunity to dispute this account, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violations of my consumer rights byFirst Choice, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) First Choice is in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts to First Choice, I XXXX XXXX is also revoking all rights of First Choice from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between First Choice and the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$740.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$140.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and noticed some accounts that i did not authorize.I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Product: Credit reporting 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 Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 to  respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC 168i6Biii, nor complied within the statutory period, I assume that you have not been able to re verify the information I have disputed. Therefore, you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at theaddress stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance. '' Your credit bureau may be liable for : 1. actual damaged I sustained by your failure to delete items 2. punitive damages as the court may allow 3. costs of the court action, plus  attorney 's fees
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the multiple unsuccessful attempts to correct the late opening of my account and removal of public record with Credit Bureaus. My account was expected to be opened, but despite my persistent efforts to rectify the situation, it remains unresolved. 

Despite these efforts, the late opening of my account has caused inconvenience and frustration. I have patiently cooperated with your representatives, but the lack of resolution is unacceptable. 

I understand that errors can occur, but the repeated assurances without tangible results are disappointing. As a customer, I expect a higher level of service and a timely resolution to such matters. 

I kindly request the following actions : Immediate investigation into the root cause of the issue.

Transparent communication regarding the steps being taken to resolve the problem.

Assurance that this issue will not affect my account 's functionality or standing once it is resolved. 
Compensation for the inconvenience caused during this period. 
I appreciate your prompt attention to this matter and expect a resolution within the specified timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. 

I am asking for your assistance to correct these late open accounts and remove the public record in my credit file : XXXX  XXXX XXXX Balance Owed : {$1000.00} - I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} - The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Product: Payday loan, title loan, or personal loan

I have been going back and forth with self.inc about my pay out but they keep trying too tell me I need too give more bank statements too get my pay out but I already provide my most recent bank statement ( just like there email says ) valid id, ssn, and a picture of my holding up my id which the law does say for me too properly id myself I need too give too forms of id which I have already done but they still tell me I have too do more
Product: Credit card

I received a charge a few months ago on my Apple Card/Goldman Sachs Bank statement . Shows 4 transactions to " XXXX XXXXXXXX XXXX. Each was {$49.00} I disputed. They did a temporary credit Now, yesterday, on my new statement they show 'DISPUTE REVERSAL '' and are re charging me XXXX x XXXX = {$190.00} I have called them twice. Second time, call never came off " hold '' .... 
But first time, their person said " I can't tell you what that is. You are supposed to KNOW what that is! Huh? Their staff each time has seemed unprofessional and poorly trained. On hold, they play rap music with curses and their employees had heavy New York accents, making them hard to understand. I read in the newspaper that Apple has won an early termination of their contract with Goldman Bank because of so many complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for financing for a home, unfortunately because of the false delinquent reporting XXXX XXXX currently ) on my NC Financial account ( XXXX ) my Credit scores were too low. 

I reported the inaccurate reporting to the company Net Credit for them to fix the issue of misreporting on the beginning of XXXX when I saw the first misreporting. They said it would take up to a month, for the reporting to be corrected with the credit reporting agenciesit has now nearly been XXXX months and still the misreporting shows that Im late to my payments.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Product: Credit reporting or other personal consumer reports

I disputed this student loan with XXXX  stating that the account is older than 7 years and should not still be reporting on my credit report. I have yet to hear a response from XXXX nor received any documentation responding to my request. I ask that this account be removed immediately. Please and thank you
Product: Credit reporting or other personal consumer reports

My original loan was with BB & T starting XX/XX/XXXX. XXXX XXXX I went into XXXX XXXX XXXX XXXX in an emergent situation. I called BB & T a few days after, informed them of what was going on & requested the payment due be put onto the back end of my loan. I was due for another XXXX  XXXX in the week to follow. They adhered to my request and offered me an additional 2 months deferment due to the situation. Up until this point I had NEVER had a late payment on ANY account, I always paid extra & early. XX/XX/XXXX I receive an E-mail while still in the XXXX  that Truist was taking over BB & T & instructions to make future payments. I assumed all agreements wouldn't change because i hadn't gotten any correspondence stating it had changed. I got an alert stating that I had missed a payment. I called Truist, told them the situation and was informed that they didn't have to honor the deferment & my car would be placed up for repossession if I didn't pay the XXXX payments that were deferred ( XXXX wasn't even due yet ). I was unable to do that at the time and i asked if there was anything else I Could do. I was told I could make XXXX full payment to avoid repossession. I did that. And continued making payments on time. Paying more each payment. XX/XX/XXXX I attempted to buy a house and was informed that I had XXXX late payments being reported and was denied for a mortgage. I immediately called truist to find out what was going on. Spoke with a supervisor multiple times from this point until XXXX of XXXX. I Went through back and forth with truist being told different things each time I called. Finally XXXX of XXXX another supervisor was able to fix the situation. She stated she didn't understand why no other supervisor did that for me months prior. She assured me the late payments would be removed & no longer reported. She gave me a number to call in XXXX to be sure the late payments were no longer reporting. I called in XXXX & saw that they still were reporting. I've been battling this situation since XXXX. I have sustained much suffering due to the denial of multiple credit transactions that have significantly impacted mine & my childrens lives. If the original supervisor I spoke to in XXXX had done what the supervisor did in XXXX these late payments would not have incurred. I've already provided All XXXX XXXX  & truist with the bank statements that showed payments were made ON TIME for the months they are reporting late except XXXX. I do not feel as though iI should have to continue to suffer from a mistake made from this company and their incompetent employees. I've disputed this multiple times. Ive asked for the reinvestigation facts and have been provided nothing. The CRAs claim the account has been updated but it is the same information without change. At this point they are violating my rights as a consumer to have an accurate credit report. I have suffered significantly due to these errors.