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

XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am adding my dispute letter because much information to add in this small box
Product: Credit card or prepaid card

Navy Federal Credit union recently closed out my account due to 3 payments past due I didnt get anything in the mail stating that my account was going to close out, I contacted Navy Federal in the month of XXXX to let them know I was getting evicted due to not being able to pay rent, I let them know I would be now living inside of my car. 

I call maybe or around the XXXX to let them know my lawyer and my former employer were in mediation and we were about to reach the settlement process. I let them know Id be getting a settlement really soon, thats when I was informed that my account was closed. I have been out of work for months due to my injury and I informed Navy Federal Credit union of that, I had to obtain a lawyer because the workers comp wouldnt pay for anything and they still havent thats why we are in the settlement process, they still closed out my account. 

There was nothing I signed stating that if I missed 3 payments my account would be closed out. I asked the representative to provide that to me and she said i didnt sign it. I informed the representative I could obtain a job and have all of my earnings going into the Navy Federal account if they open it back up, I informed her i would do this into the settlement comes in. I also attached documentation of the mediation process with my lawyer, and me living inside of my car, and other things aswell to Navy Federal Credit union. 

I also received money from the dealership I got the car from because the car had mechanical issues, I signed a agreement stating that the money was to go to the car only. I took some of that money and paid my bills, I told Navy Federal this was money for my car not for bills. Now I am still having issues out of the car, because I chose to pay the credit card and car loan instead of getting everything on the car fixed. I say this to say, when I had the money I paid the debt I owed, regardless of the situation.
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX None of these companies did a thorough investigations on all accounts that were supposed to be removed from account and delete. The amounts on some of the accounts owed are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The FTC suggested I contact the Consumer Financial Protection Bureau, which has given me instructions which I am now following. 

The problem started with the theft of my identity in XXXX. Under the suggestion of the FTC, I placed credit freezes on three credit reporting agencies : XXXX XXXX, XXXX  XXXX XXXX and Experian. I eventually removed the freezes from XXXX XXXX and XXXX  very easily by simply phoning them, but Experian has proved impossible to remove. 

Recently I had the issue come up again while trying to apply for a credit card. I called Experian and received recorded messages of the steps to take. Per recorded instructions, I sent a cover letter with the information requested, along with copies of two bills to verify my utility accounts and my current address. I mailed this via USPS on XX/XX/XXXX. 

I have not been informed as to whether Experian received my request or whether my request to lift the freeze has been granted. 

I have spent endless hours online and on the phone trying to get help removing the freeze. Unfortunately, I can not remove the freeze online without first becoming a paid member of Experian. To me, this is a scam. 

I promise you, I am more tech savvy than most, and have tried for years every potential lead online and telephone number, as well as snail mail, to have Experians freeze liftedto no avail. 

Please help! 

PS. I have tried to include the two bills mentioned in my cover letter attached here ; your " Select a file to upload '' is not cooperating. However the cover letter I mailed to Experian includes those two items for proof of address, which I sent via USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of FCRA. I've called their business numerous times, left voicemails and been hung up on. They are reporting on my credit reports under two different names for 1 loan at 1 company. Because they DBA more than one name or have subsidiary companies they feel it is okay to report a loan more than once under each name. I had 1 loan paid off and isn't reporting, then I had a loan that was charged off. It is the charged off loan they are reporting with both company names. The loan was paid to the collection company already.
Product: Bank account or service

On XXXX XXXX, 2016 I made a wire transfer from my XXXX account to an XXXX XXXX XXXX named XXXX. On the same day, I received a Wire Transfer and Receipt and a Confirmation number. The next morning, with no explanation given, I received an e-mail notifying me that " Your Wire Transfer transaction has been canceled ''. Moreover, I have ben denied access to my online accounts and the use of my debit card. It seems that I have become a security risk!!! I spent hours upon hours on numerous phone calls, but the bank insists that I present myself in person at a Wells Fargo branch, a thing I can not do since I reside in XXXX. I am forced to take loans in XXXX to pay debts, while my money in XXXX bank accounts is unreachable. I am XXXX years old and can not bare the stain. 
The above is unheard of and simply outrageous.
Product: Credit card

I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Bank of America. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.
Product: Credit reporting

Experian has allowed collection agencies to re-post and resell accounts to appear as new and current. And they are not new.
Product: Credit reporting or other personal consumer reports

Inaccurate reporting on my credit report with XXXX XXXX and an unknown company called Portfolio Recovery. This has decrease my score over 125 points.
Product: Credit card

On XX/XX/XXXX, I made a purchase from XXXX for worth XXXX. This was marked delivered by XXXX but sadly I never got the package. I reached out to XXXX saying the package could maybe lost/stolen and they asked me to reach out to my credit card company, American Express , and open a dispute. After doing so, amex keeps closing my dispute in the favor of the merchant saying they have provided the necessary proof that my package was handed over to me. This proof is just the tracking information that is available to me already, which, in my opinion, is not enough. The burden of delivery should be borne by the merchant as they are the shipper and should be the ones liaising with the shipping company to track my package, or file a claim. However, Amex believes I should reach out to shipping company but they want the shipper to raise a claim. I have even raised a police complaint with XXXX XXXX XXXX regarding my missing package and they have ruled it as lost. I am not sure what else is needed for me to prove my case? 

I have reopened the dispute three times and every single time, it's the same proof that is given to me, which is nothing more than a screenshot of a publicly available tracking information.
Product: Debt collection

Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX and was approved. After the terms were delivered, I declined the account and DID NOT activate the card as allowed in writing under their questionable terms. They are not only reporting this as an active and open account but they are reporting an amount owed as well. I have previously disputed this item by wire and mail with the credit reporting agencies and XXXX fraudulently confirmed its accuracy by the same means. This item continues to be reported on my credit reports.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High Balance : {$4000.00} ( XXXX ), {$0.00} ( Experian ), {$2400.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, Experian ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX Experian XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( Experian ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$4000.00} ), Experian ( {$0.00} ), and XXXX ( {$2400.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote a dispute letter to Transunion and requested for them to investigate information because I believe the information is being reported inaccurately on my credit report. In my letter I wrote specifically I am disputing the inaccurate information and not if the debt belongs to me. ( see attached letter ) I sent this letter certified mail. ( see attached receipt ) On XX/XX/2024, I received a letter from Transunion with the investigation results. Again, I was not satisfied with the results. Reason being is because I was not DISPUTING IF THE DEBT BELONGED TO ME. And my letter did not say I am disputing the debt isn't mine. 
Transunion investigation results were VERIFIED and NO CHANGE NEEDED : The disputed item ( s ) was verified as belonging to you. No change was made to the item ( s ) based on your dispute. ( see attached results ). That is all they sent. They did not send any information I requested in my dispute. 
I have disputed this creditor with Transunion and XXXX multiple times, and I get the same results. I've spoken to XXXX, and they give me the run around and say they can not change the information because it was charged off. I went over the dates with XXXX at XXXX and the dates given are different from what is being reported. I spoke to XXXX in charge off department she said I must talk to the fraud and dispute department and they yet to call back. I spoke to XXXX at XXXX she said she will email the fraud and dispute department but wouldn't give me their number or transfer me because they don't take calls. I been calling for 2 years and writing Transunion for 2 years. The dispute investigation results are all the same " VERIFIED and NO CHANGE NEEDED : The disputed item ( s ) was verified as belonging to you. No change was made to the item ( s ) based on your dispute. ( see attached results ) ''. 
After reviewing my documents, you will see what my dispute is for, and it is not what they keep sending me. I am not disputing if the debt is mine or not. I am disputing the inaccurate information Transunion is reporting. They also told me that they do not have to send me any documents of their investigation and that the investigation is done. The information that is being reported with the XXXX is hindering my life because it is a negative mark on my credit report. This credit card was a secured card that I paid XXXX I owed XXXX XXXX when XXXX came XXXX told me I was ok and that it would not report negative on my credit report because I was covered by their XXXX XXXX XXXXXXXX XXXX They ended up charging me XXXX in late payments fees. When I called XXXX, they said they were not aware of the program their company had during XXXX but it has been all over the news and internet that such program did exist. I have been disputing this with XXXX and Transunion and they both point fingers and give me the run around. I have researched my rights and I feel they are violating them by not investigating my dispute properly and accurately.
Product: Debt collection

Hi, I was recently sued by an XXXX and a judgement was entered. The original judgement was entered on XX/XX/2019 for {$540.00} for the amount owed and court costs. On XX/XX/2019 a further judgement of {$2200.00} was entered for attorneys fees. When this law firm contacted me, they indicated I owed amounts which had already been decided in the judgement, specifically the {$1500.00} as indicated on the attached ledger and an additional {$3900.00} in attorneys fees. I have disputed these amounts and have gotten nowhere. Also, they are charging for attorneys fees which would have already been included in the judgement and are charging 18 % interest, which according to Colorado Revised Statutes XXXX, the most they can charge is 8 % when there is no other agreement. 

I have tried XXXX times to pay on this debt and they have rejected my checks saying there was a " restrictive endorsement ''. I indicated the monies on these checks was only for the judgement, since they are trying to charge me for other items.
Product: Credit card or prepaid card

I signed up for the Apple Card on XX/XX/XXXX through this referral link : ( it is still active ) https : //apply.applecard.apple/? cid=apy-616-10000002 & utm_content=rafemail The offer says that if I make a purchase in 30 days, I will receive {$75.00} dollars cash back. I made a few purchases, and did not receive my Daily Cash back. I called in to Goldman/Apple on XX/XX/XXXX to ask about the promotion and when I would receive it. The agent told me he would submit a promo correction dispute, and that I should see the promo soon. 

I received an email the next day saying my dispute had been investigated, but I was not eligible for the " promotion of {$100.00} dollars for referring a friend '' ( that wasn't even the correct promotion ) because I didn't sign up in the promo period for the offer. At the end of the message, it said to reach out to a specialist if I had questions. This same day, I received an email letting me know I had been declined for eligibility in the SCRA program. I had no idea what this way, and found out in a later call an agent had signed me up for this without telling me. 

I called back in the next day, XX/XX/XXXX, and asked to escalate the issue to someone that could help. I was transferred to a supervisor, who told me they could resubmit the dispute and enter a request for call back, but that's all. I let her know that there is no where on the link page that states anything about being open for certain dates. She would not allow me to send her the promo link to confirm it was legitimate. I was told a ticket would be opened and that I would be called back by a third level person within 10 days. 

The next day, I received an email stating my case had once again been deemed ineligible for the promo due to the dates ( that are not stated on the ad )... I called back in, and was met with the same response. No one could help and that I would be contacted by someone in 10 days that could. 

I waited over 10 days, and did not hear back from anyone. I called in today, XX/XX/XXXX to ask that status of the open call back tickets. The agent on the phone told me there was nothing on my account noting a call back, that no one would call me back, and that there was nothing I could do. I am very frustrated at this point.
Product: Debt collection

On XXXX XXXX, 2018, XXXX CST, I received a phone call from XXXX who works with Receivable Performance Management. I asked XXXX what was this about and he said they are collecting a debt. I advised XXXX this is my first time hearing of this did he send me a letter in writing to notify me of this debt. XXXX advised me that would be redundant. I asked him well, how would I know who to pay, what, when to pay and he advised that the person I owe would have sent me a letter. I advised him since this is my first time knowing of this via phone call, I asked him not to correspond with me via phone, only in writing and that 's when the phone disconnected. Lo and behold, I pulled my credit report and notice this same company reporting.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & all 3 credit Bureaus are reporting me late in XX/XX/XXXX & XX/XX/XXXX, I paid 3 payments ahead anticipating major surgegy. XXXX or Credit Bureaus have not been of any help The one account due to neglience dropped my score XXXX points.