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

I sent a letter to Letter to XXXX XXXX and XXXX in XXXX and most recently on XX/XX/XXXX in regard to a public record on my consumer reports that XXXX, XXXX and Equifax is reporting. XXXX stated that they verified the account with XXXX XXXX, XXXX XXXX said they used a system called pacer to verify the account. I know my rights as a consumer, and I know that according to XXXX XXXX XXXX these companies have no permissible purpose to report this information on my consumer reports. I contacted PACER and US Bankruptcy courts and they both provided me with a letter stating they DO NOT provide any information to any of these companies. Just because an account is listed on a public website does not mean it is fair and accurate. There's no permissible purpose and the companies are violating my livelihood and my rights as a consumer. These companies are NOT doing an actual investigation. They are not even responding to my letters anymore. I demand these companies remove this information from my consumer reports for unfair practices. My rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Credit reporting or other personal consumer reports

I want to personally thank you for taking the time to read this letter. After reviewing my most recent credit reports I noticed late payments on XX/XX/2024 for my XXXX XXXX XXXX  Card account. I fully understand my obligation to make on time payments, and if it weren't for my hours being cut and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd i feeding difficulty i wasn't working for a whole month due to i had to be going to the XXXX XXXX everyday for 30 days and that caused me to miss a payment, Id have an outstanding payment history. Since then, I have consecutively made on-time payments and kept my credit utilization low. 
XXXX planning to take a personal loan and the missed payment on my credit report could drastically affect my chance of qualifying. As stated, before I fully understand my financial obligation but this is not an accurate reflection of my ability to repay debts owed. I would greatly appreciate it if you could give me a second chance and remove the late payment on XX/XX/2024 Thank you for your consideration, and I hope youll approve my request. 
Sincerely,
Product: Checking or savings account

bank of america, close account and am not owing any amount XXXX XXXX, closed account and i paid the balance on i owned on the overdraft acct XXXX XXXX XXXX XXXX closed account and not owning too XXXX XXXX never had any transaction, identity theft. 
XXXX XXXX, closed acct and not owning any amount too.
Product: Debt collection

Spoke to supervisor about my apartment collection. They informed me that I would need a down-payment to be put on a payment plan.
Product: Credit reporting or other personal consumer reports

I give Transunion and XXXX permission to proceed with complaint Per previous complaint XXXX Transunion response stated : they have removed XXXX  but it is still on my report and needs to be removed asap also fraud address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; variance of employment name XXXX XXXX XXXX need to be removed as well as all the inquiries that was submitted in police reports before : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. FTC Report Number XXXX XXXX : failed to remove fraudulent unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company did not investigate and remove as they stated in their response this is frustrating I have been in data breaches etc.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Sincerely, XXXX XXXX
Product: Credit reporting

I have been having issues trying to upload consumer disputes with Experian through their online website it has been an ongoing issue trying to upload disputes and without a doubt feel that Experian is deliberately turning their portal on and off making it very difficult for consumers to file their disputes online. I am certain that XXXX if not XXXX of other consumers are having the same problems with Experian and making the same complaints. 
Please look into this urgent matter regarding Experian 's unethical practices they are in violation of the FCRA depriving consumers of their Rights under the FCRA to initiate disputes online. I have also spoken to a XXXX XXXX law attorney whom stated to me that he is receiving many calls from consumers reporting the same issue with the online upload disputes. 
I have attached all my identifying information to prove who I am and Expeian makes it impossible for me to make online disputes. Please look into this thank you! 

XXXX XXXX
Product: Credit card or prepaid card

I was denied after already being approved multiple times and received adverse action!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My credit score went down 44 points This was due to Equifax I worked with the XXXX XXXX XXXX to see if I could lower my payments. They in fact put my student loan in forbearance. I was never late on my payments. This was an Institutional deferment. I was surprised that they allowed me to have a deferment. I'm XXXX years old and owe XXXX I have worked so hard for years to improve my credit score.and had to up to XXXX. I need it to be up that high as I plan on moving into an apartment I can afford, So I go check my score on XXXX XXXX and Equifax had the remarks written, I had gone into forbearance with a drop of my score of 44 points? That is not supposed to happen. I was never late and it is a forbearance. I need for equifax to bring my score back up to where it was, to where I have made every payment on time on everything over so many years. I have had problems in the past but I have been on time with all my payments with everyone for years. Please can you check out what has happened with this credit reporting company and have them give me my 44 points back.Thank you
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. On XX/XX/2024 I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

I am a natural person. I am a loving human being with rights. I have rights under 15 USC 1681.

Experian is govern by the USC 1681 and theyve violated my rights numerous of times. I demand these accounts listed below be removed because According to USC 1681, I have the right to privacy and I did not give XXXX written permission to furnish these accounts listed below. 


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: Checking or savings account

I was trying to transfer money from my account with XXXX XXXX XXXX to my SoFi account. The amount was {$3500.00}. The money wasnt moving after trying a few days, and it wasnt until the last day I tried that I was told that there was an XXXX freeze on my XXXX account, which was why the funds werent moving. SoFi restricted my account, treating it as if it were a bounced check. And I figured I could wait until the following Monday for them to undo the restriction. That was around the XXXX XXXX XXXX, and it is now the XXXX. Ive made multiple calls to SoFi to ask for progress on the decision for my account, but every time was told that they cant tell me how long it would take for them to reach a decision, and that I would just need to check my app.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with Comenity and they removed it from my XXXX credit report after receiving my identity theft affidavit but then they added back to my XXXX  credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my XXXX as 90 days late. This is not account.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of fraudulent accounts on my credit report. I am a recent victim of a data breach and identity theft, which has resulted in unauthorized accounts and inquiries being associated with my credit file. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following accounts and inquiries be removed from my report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
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 XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

This company XXXX XXXX  who I received the loan from refused to do service after receiving the money and adding on additional money after completing the loan amount
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00}
Product: Checking or savings account

Capital One 360 XX/XX/XXXX, called to close account. Was told check would arrive within 10 days. 
XX/XX/XXXX, received letter that account was closed, no check. 
Called XX/XX/XXXX, was told that they would cancel check/reissue, and to not deposit the 1st check when arrived. 2nd check would arrive within 10 days. 
It's now XX/XX/XXXX and neither the first nor the 2nd check have arrived. 
Have been calling the customer service number for days. I can not get through the auto-system, at some point it tells me it can't understand my input and to try again later. I've tried from 3 phones in multiple locations, same result. I can not get to a human any way I try, every chain I try to go through in the auto system eventually wants a description or a number that they will not " hear, '' even if I'm entering it via my keypad.
Product: Debt collection

XX/XX/2018 Phone calls placed at XXXX XXXX est, XXXXXXXX XXXX est, XXXXXXXX XXXX est, XXXX XXXX est and XXXX XXXX est ( call on a different number ). 

I spoke with XXXX XXXX at Grant and Weber at XXXX extension XXXX regarding a medical bill. I was asking questions about why the debt could not be negotiated and how then medical collections worked. My mother spoke with XXXX and was told she could not speak to a supervisor. I went back on the phone and tried to clarify more questions that I had. I was told numerous times after asking that I could not talk to a supervisor and eventually told " I will not transfer you. '' Once this phrase was spoken I immediately asked about the call recording policy. I requested to know how to get a copy of the phone call several times and was repeatedly denied. I was also told by XXXX " I tell you what happens. '' I called back four times after XXXX transferred me to a general voicemail after I brought up wanting a copy of the phone call. I called back to speak to someone else about getting a copy of the phone call and Grant and Weber will not answer my phone calls ( tried three times ), and when I called on a different phone with the same last name, hung up on me. The business practices used by Grant and Weber,  especially XXXX, are an attempt to force the consumer to blindly pay a bill without having their questions answered. 

XXXX refused to let me speak to a supervisor until I said the magic words, that I wanted a copy of the phone call. He then attempted to threaten me more by stating that " I tell you what happens. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and BK OF AMER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both XXXX  AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX  and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
Product: Debt collection

The company is attempting to collect a debt using a falsified loan modification that was not notarized by either my XXXX ( over which I am her XXXX ) nor the alleged company XXXX XXXX/PHH. My XXXX nor myself signed the loan modification, which is evident by the fact the document notarization area is blank. The modification clearly does not exist within the alleged creditors account as it is also not signed, dated and notarized. 

XXXX XXXX sent a letter saying they were retained by PHH Mortgage/XXXX XXXX. They have supplied a forged, non-notarized loan modification to the court to collect long since timebarred debt using the names of PHH MortgageXXXX XXXX. 

XXXX XXXX claims they are not the party to address this matter, yet all attempts to collect the debt are coming through them as they own/operate PHH Mortgage .
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Student loan

I tried to pay off my wife 's student loan about 3 months ago and they reversed my payment from my bank so I kept making my monthly payments as before from our other banking institution. No explanation was given. This occurred on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

TransUnion has not fixed their website to freeze/unfreeze credit in YEARS. Many people also having this problem if you XXXX it. Reps have either refused to acknowledge this or have said they are aware and not working on the problem. 

Phone ( automated ) option had worked up until recently. It now does not accept any input of a " future date '' to start/stop a freeze. This is an instant option with the other XXXX. Even when the phone option did work it was not secure because any identity thief would already have the information to thaw a freeze. 

Very suspicious that this has been for years and they are blatantly ignoring it. I feel it's our right to have control over our credit at any point in time. They offer no other options to control freezes
Product: Checking or savings account

Wells Fargo account got closed and I had money in it and they charge me fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted MoneyLion 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Product: Debt collection

Company had a third-party attorney threaten to sue me in court and garnish wages, and would not provide any information about this debt, but wanted me to provide my personal information first. I was not able to get any information to even validate who actual owns this debt that is reporting this to all three credit agencies. 

I was told they wanted more personal information in order to provide me any information regarding the debt allegedly owed by me, but since they refuse and did not provide any information to me, I demanded this to be removed from all three credit reports immediately, since they can not prove it was actually my debt. 

I was hung up on and not given any information and its still on all three credit reports