23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I made reservations with a website XXXX on XX/XX/XXXX for a honeymoon to take place on XXXX XXXX through XX/XX/XXXX. Due to the covid pandemic XXXX canceled our tip in XX/XX/XXXX. Their phone numbers all led to a robot recording that said to refer to their website and then hung up on you. Then the website and cancelation emails said they were unable to issue refunds at this time and to contact your cardholder to get a refund. I contacted my bank Commerce Bank to dispute the charges and get my money back but they said it was out of their scope since it was past 60 days of booking the services. I am out {$2300.00} total for services untendered of XXXX XXXX. My claim with my bank was made in XX/XX/XXXX. They have denied my claims twice now. I sent them every email communication between me and the XXXX.XXXX  and the phone number for the company as well. I have banked with this bank since I was 18 and they didn't care to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2019 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a collection account related to XXXX XXXX that is still appearing on my credit report. This account was previously managed by XXXX XXXX, with whom I reached a pay-for-delete agreement in XX/XX/year>. The debt was paid in full, but the collection account remains on my credit report despite the terms of our agreement. 
Upon attempting to resolve this matter, I learned that XXXX XXXX is no longer in business. Additionally, the current debt collector who took over the account after XXXX closure has informed me that they have no files or records pertaining to my debt. 
As the account has been paid, and the current debt collector has no record of the debt, I respectfully request that you delete this collection account from my credit report. The failure to honor the pay-for-delete agreement is negatively impacting my credit, and I request that it be removed immediately.
Product: Credit reporting or other personal consumer reports

I am simply being blocked from being able to dispute at my own free will, credit bureaus keep asking for a copy of my DL OVER AND OVER as if I havent provided it, then proceeded with locking me out my account and telling me its for my best interest to not be able to dispute. This is a clear violation of consumer law 1681 ( b ) My credit report is being reported with major inaccuracies which is hurting my financial credibility. Please review the documents attached to this dispute and make proper changes since I am not allowed to dispute with credit bureaus myself. This matter will be escalated.
Product: Student loan

Ive had so many lenders that Nelnet ( my current lender ) only has my payment info beginning in XXXX. I started making payments in XXXX with XXXX. XXXX is now out of business & I cant get even get anyone from Nelnet on the phone to resolve this. I wanted online for almost XXXX hours today.
Product: Mortgage

XX/XX/2017 I verbally called the servicer FCI Lender Service Inc to request solution to the delinquent mortgage and to prevent forclosure. I am the ex-spouse of the Primary borrower and as result of the divorse was awarded the home. A package was to be sent which would allow me to apply for a modificaton and it was sent & received XX/XX/2017. There we no letter that were sent out requesting additional information and it was n't until 2 weeks later when a letter was recieved stating that there was a foreclose date of XX/XX/2017. During this time we were miss-informed about a Chapt XXXX, due to that we wanted to keep our home. At this time I have remarried a few years back and are able to maintain the mortgage when the modification is completed. It has not been a full 30 days and already a sell date was entered. 

We need to request stop motion of the foreclosure so that the modification has time to be approved by the lender. Since FCI is the servicer, we were unable to mail the modification directly due to the representative only questing for us to send it in writing first and would not relay the information to us. It is our concern that the servicer is not working in our favor to keep and modify our mortgage and may be delaying the process on purpose. 

As of today we have sent the servicesor all the information needed in order to process the modification to our knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my GM Financial account to payoff the loan for my XXXX XXXX XXXX XXXX. To date GM financial has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The GM financial website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had closed the XXXX XXXX account having XXXX balance since XX/XX/XXXX. I disputed the account Equifax and the creditor several times and the creditor confirmed that they had updated Equifax since XX/XX/XXXX. However, Equifax continues to publish wrong account balance and status showing that the account is open with a balance of {$1500.00}. Multiple Equifax agents have been so incompetent by not even been able to locate this account. They also can not tell the dispute filing date. Further, I have disputed the fact that my Equifax credit report is not showing my payment history for XXXX XXXX XXXX XXXX. Equifax agent stated that it does not matter. 
Equifax is definitely not abiding by law by publishing inaccurate, incorrect, and false information on my report. Both account have been modified by the other major credit reports. I took the auto loan in XXXX, XXXX from XXXX  XXXX XXXX  XXXX  and closed and paid the XXXX XXXX  since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$990.00} XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$5100.00} XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, and XXXX hard inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and XXXX fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Last year, I began pulling my own credit reports to make sure they were accurate. There were various errors across all 3 reports. Most of the major inaccuracies have been resolved except for these 2 pronounced issues regarding the Date of First Delinquency.

One account, is in collections with XXXX XXXX ( a credit card debt for XXXX XXXX ), and the other XXXX XXXX, has been paid in full after charge off and closed. For both of these accounts, I asked all 3 credit bureaus to provide me with my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date, and the name of the original furnisher who reported the date of first delinquency. 

I did not receive the requested information, instead TransUnion moved the XXXX deletion date from XXXX to XXXX Experian is still reporting XXXX and told me I need additional relevant information to support my claim for both accounts. I was not submitting a dispute, I only wanted the date of first delinquency and who reported it. To be fair, no response has been received from XXXX  as they still have time to respond. However, at at this point, with 2 incorrect and different dates, it tells me the XXXX date/account can not be verified, and the account has been re-aged. It doesn't really matter what XXXX   states if the other 2 conflict. And as for XXXX XXXX, there is no deletion date and no indication of the first date of delinquency, which is odd. Also, I've never been contacted from XXXX about this debt, but as a 2nd step would seek debt validation. 

I only wanted to obtain my consumer disclosure file to review for accuracy. In the past, my identity was stolen and it took several years to get the thief 's profile deleted from my credit reports ( her social, name, address, phone numbers, accounts, etc. ), and I had to hire an attorney to finally clear my name. So, please understand, I take my credit reports seriously and I want all information reported about in it to be accurate. Since I have not been granted access to the Date of First Delinquency to understand when these accounts were allegedly first reported as seriously past due, I am writing the CFPB.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was complete, but
the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Debt collection

I sent a dispute letter to Security Credit Services and XX/XX/XXXX credit bureau regarding a collection that was opened in 2020. XX/XX/XXXXis still the only credit bureau listed on my credit report while XX/XX/XXXX and XX/XX/XXXXhas since deleted this collection from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!
Product: Prepaid card

On XX/XX/year>, there was an unauthorized bank transfer of {$5000.00} made to a personal bank account as stated on my bank statements. As soon as I noticed I called to report the unauthorized transaction to Money Network and they provided me with the name and account number that made the transaction but they were not able to cancel the transfer. They closed my card and sent me a check for my remaining balance and instructed me to file a dispute. I filed the dispute online the same day and was denied roughly XXXX weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I asked why I was not able to view a my credit score from Experian like I could see with the other company 's I was inform it was because there was no activity on my account with in the last 6 months. and because of this it is stopping me from getting credit anywhere cause the creditors cant access a score from Experian because there no score they are blocking it. I not able to get credit. I have asked them to correct this issues, and Experian refused to fix this issues. which causes issues with me obtaining credit anywhere.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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
Product: Debt collection

In XX/XX/2018 this company Professional Bureau of credit of collections of Maryland applied collections to the credit bureau for an auto loan from several years ago. I called them to notify them that the original vendor XXXX is currently reporting on my credit for this and their placing me in double jeopardy and its resulting in monetary loss. I understand my past and I am paying for it with rebuilding my credit and not taking the easy way out with a bankruptcy. But I also believe I should be treated fairly and these companies should follow the rules. When I contacted them on XX/XX/2018 at roughly XXXX they hung up on me rudely while I politely let them know of their error. All on a recorded line. I would like to have this illegal parking of this debt with no notification or anything removed from my credit report immediately. I made a mistake in the past, had a XXXX and lost everything, doesn't mean I shouldn't be treated fairly, legally and equally. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am able to dispute letter to Equifax on XX/XX/21 to investigate unauthorized inquiries as well as accounts listed on my credit report. I have not heard back.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the consistent pattern of stall letters that I have received in response to my dispute letters sent to XXXX/Experian . As a diligent consumer, I have taken the necessary steps to rectify inaccuracies on my credit report, only to be met with what seems to be a systemic delay in the resolution process.

Upon further investigation and consultation with resources available, including the Consumer Financial Protection Bureau ( CFPB ) database, I have noticed a recurring trend of similar complaints from other consumers regarding stall tactics in your responses to disputes. The CFPB has also addressed this issue in a report titled " CFPB Issues Report on XXXX, Experian, and XXXX, '' highlighting the need for fair and efficient dispute resolution processes. 

In particular, I would like to draw your attention to the cases of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, as these legal precedents underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the Fair Credit Reporting Act ( FCRA ). Both cases emphasize the significance of compliance with FCRA 1681i, which mandates a reasonable and timely investigation into consumer disputes.

The continued use of stall letters raises concerns about potential violations of FCRA 1681i and goes against the principles laid out in the aforementioned cases. It is my sincere hope thatXXXX/Experian will take immediate steps to rectify this matter, ensuring that disputes are addressed promptly and in accordance with the law.

I kindly request that you conduct a thorough and expedited investigation into the disputes I have raised and provide a comprehensive and timely response in line with the FCRA. Failure to do so may compel me to escalate this matter further through legal channels.

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT 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
Product: Debt collection

MCM midland credit management attempted to take me to court for account # XXXX in the amount of XXXX. I called on or approx XX/XX/XXXX to ask about this account and referred was to a law firm who attempted to collect it back in XXXX and the case was dismissed legally in the court of law. Failing to prove this debt was owed by me or the account. The law firm XXXX XXXX XXXX i was advised that they case was closed. Upon discovery even after legally being dropped/ dismissed and sued without proper notification validation or anything from MCM I attempted to offer 20 % XX/XX/XXXX. As well as today 10 % XXXX XXXX they declined. I advised them before going through the hassle of legal courts and fees I would offer again to close the account and we part ways amicably. I am a victim of identity theft in the past and have a feeling of the family member who may have opened this account. I expressed my concern of unfair debt collection activities and the lack of proper notification and the court ruling supersedes any companies policy and it stated closed/ dismissed. I would like to have this account closed and dismissed and removed immediately from all credit bureau. 

Disputed : equifax # XXXX what I disputed is the same unfair practices with legal court documents case dismissed and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX XXXX, and XXXX are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.
Product: Debt collection

I'm receiving text messages from TrureAccord with a link attached to it. The text message asks me to click the link for my debt account. The text doesn't have a phone number or a point of contact.
Product: Credit reporting

I also have issues with XXXX XXXX bank where there was settlement in agreement they remove there information from my credit reporting. That was purpose of doing settlement since they had wrong information and I never miss any payments. The XXXX Bank smart connect have me down highest balance XXXX that 's incorrect its a lesser balance XXXX. My credit score did n't go up since made my last payment to XXXX smart connect. Im trying to get my credit score credit should be showing much higher score XXXX. I would like Department Education to be remove off my credit report because past statue limitation that can be shown on my account thank you.