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

hi Experian you reported to myself and the CFPB that the incorrect names were removed I see in checking with XXXX XXXX XXXX that you did not remove those names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX you stated in caseXXXX-XXXX that they were removed. My Id # XXXX is correct, please remove these listed above.CFPB please refer to XXXX-XXXX in this matter thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX  XXXX. XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX. XXXX, XXXX {$10000.00} XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at US Bank indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through US Bank onXXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

2 years I contacted company with these errors they refused to comply with the FCRA so I am asking for deletion of account asap?
Product: Debt collection

I do not know nor have I ever heard of this debt collector. It is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XX/XX/2024
Product: Vehicle loan or lease

This account falls under the INSTALLMENT ACCOUNTS on my credit report.
4.1 LOBEL FINANCIAL ( Account closed ) BALANCE : {$4300.00} DATE OPENED : XX/XX/XXXX DATE REPORTED : XX/XX/XXXX LOAN TYPE : Auto Loan COMMENTS : Charge-Off Account - Fixed Rate This account also falls under PUBLIC RECORDS on my credit report.
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JUDGEMENT : Case/Docket # ( XXXX ) DATE FILED : XX/XX/XXXX COURT : County XXXX XXXX Court AMOUNT : {$4600.00} This account does not belong to me. Yes, my biological birth name is XXXX XXXX. I do not have a middle name or middle initial. I am not XXXX XXXX XXXX I do have a son by the name of XXXX XXXX XXXX He 'll either go by XXXX XXXX, XXXX XXXX XXXX and/or maybe XXXX XXXX XXXX. My son lives in XXXX XXXX as well. When I first moved to XXXX XXXX back onXX/XX/XXXXI moved in with my son XXXX XXXX XXXX, his wife, and their children. I 'm not saying my son XXXX does have my social security number, but possibilities he just might remember my social security number. I moved from XXXX to XXXX XXXX back onXX/XX/XXXX This particular account was opened on XX/XX/XXXX. The only time I had ever had an auto loan was back in XX/XX/XXXX, and I had a co-signer by the name of XXXX XXXX Never did I ever have another car loan in my name whatsoever. My oldest children have been around numerous times when my spouse and I have talked about social security numbers. Being that mine is not very hard to forget I feel my son has used my identity and I would to have this removed off my credit report. If there is anything else that I need to submit besides this complaint dispute please inform me and I will submit whatever it is needed to clear my name.
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Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I order a XXXX cake for XXXX $ and food for XXXX $ for a birthday party. I don't have a screenshot of their original date of purchase but I do have receipts from both merchants. They took both amounts from my account the day I bought them ( XX/XX/XXXX and XX/XX/XXXX ). That left my account at XXXX XXXX I got paid and they withdrew a XXXX  time. Lowering my balance. I can't afford grocceries now and I tried contacting them. They were in denial about the whole thing even tho my partner also saw the charges were charged the day after. I bought on XXXX after and that got double charged too. They're stealing my money and want compensation since it's been going on for awhile but I haven't noticed it until I looked hard and see my purchase date and withdrawal dates kept changing on the app. I don't have exact ss 's but I have screenshots below showing the pending yet they took money out of my account. They're going to charge me again.
Product: Credit card or prepaid card

I earned a XXXX points bonus through an introductory American Express Platinum card offer. However, after being assessed the next year 's annual fee, I called American Express customer service to downgrade to Gold as we no longer wanted to pay the increased annual fee for Platinum. Before downgrading however, I very clearly asked the agent to verify that my points would not be impacted by this move and he assured me that there would be no change. This happened in XX/XX/2022. However, in XX/XX/2022 when attempting to book a flight using my points, I found that my account had been debited the XXXX points. I was confused by this as the agent had told me otherwise. When I called American Express again, the agent told me that this was because I had not been a Platinum member for a full year. I told them that didn't make sense because I had already been assessed an annual fee already so I must have hit the year mark. However, I then checked and found that I was a month short of hitting the year mark which I wasn't aware of at the time of downgrading ( and was completely unexpected given I had already been assessed my next year 's annual fee ). I told the agent that this was a very misleading practice, and on top of that, the agent I had spoken to had confirmed my points balance would not be impacted. The agent replied that they would pull up the recording itself and if that's indeed what the agent said, they would award the points back. They did say this would take up to 14 business days. Fast forward to today and I've already called American Express multiple times after each 14 business day period. They keep skirting the issue and telling me that they'll need another 14 business days to research the issue. At this point, I'm convinced that AmEx is just trying to avoid awarding me back the points I earned. I'm incredibly frustrated by the deceptive practices being employed at and am now forced to escalate this via the XXXX 

Note that this is what I wrote through the XXXX  in XX/XX/2022, and I continue to go back and forth with American Express through there but the company has not been helpful for months. I've told them to go back to the recordings and listen to them, but there's no evidence that they've done so. And they won't release the recordings to me unless I have a subpoena. I'm at my wit 's end at this point in terms of trying to deal with their agents.
Product: Debt collection

Jefferson Capital system sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Jefferson Capital System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute some illegal credit inquiries on my credit report. TransUnion Credit Bureau stated that they were verified. So I disputed the illegal credit inquiries directly with the companies that requested my credit report. They did not respond to my request for proof that I authorized these inquiries. 

Attached are letters that were sent directly to these companies and U. S. Postal Service confirmed that they delivered my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Prizm Financial was closed XX/XX/XXXX with the balance paid in full. Case # XXXX XXXX XXXX, Ohio. Prizm continues to report monthly to XXXX  that a balance is still due. I've disputed this several times through XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX all of which corrected the information before Prizm reported falsely again. I spoke to Prizm Financial XX/XX/XXXX who confirmed the account is closed and paid in full. They assured me that the false monthly reporting has been corrected and to contact XXXX  but it isn't corrected. I keep going in circles with them and it's going no where. So please assist with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with account # XXXX, The company is reporting erroneous and inaccurate information on my Equifax credit file. I am asking XXXX XXXX XXXX to remove this account from my Equifax credit file..
Product: Credit reporting or other personal consumer reports

I called Lexis Nexis yesterday XX/XX/XXXX, to check the status of a dispute letter dated XX/XX/XXXX. Your representative informed me that my letter had not been received. Attached is an updated version of that same letter. I am formally disputing personal information, criminal records, and small claim judgement claim reporting on my credit report with Lexis Nexis. These records are negatively impacting my creditworthiness, thereby hindering my ability to access business funding and other financial opportunities. I have also sent this letter certified mail along with identification verification documents and FTC report.
Product: Credit reporting or other personal consumer reports

I identified billing inaccuracies on my credit report, with late payments that aren't in line with my regular payment record. Please make the necessary corrections and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, the burden of proof lies on, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 15 USC 1681b Permissible Purpose Thank you for following the ethical standards set by the FCRA and removing these late payments. I call, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters., Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email, XXXX, TransUnion CEOs as last resort before I Sue them all.
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. 
XXXX XXXX Account # : XXXX has violated my rights. 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XXXX XXXX, 2016, Bank of America issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is " never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15U.S.C. 1666 B ; A creditor may not treat a payment on a credit card account under an o open -end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I spoke with someone from XXXX comenity in XX/XX/XXXX by phone that I was not receiving my statements. She stated it was going to the incorrect email address and corrected the issue. At that time, I had a late fee so she credited the late fee for me. Again I am not receiving my notices and the email address provided is the correct email address that I am receiving all of my other comenity statements to make payment, such as the XXXX card. I contacted the bank yesterday to advise them that I am not receiving my statements causing me to incur late fees every month, although I make a payment possibly the day after every time. I inquired about having the funds automatically taken out each month so that I can avoid these late fees racking up on my account. They informed me that they do not offer that type of service and it is nothing they can do about the late fees. So, as of today, I believe I have two or three late fees on the account that are not really my doing and it is nothing they can do to prevent it. I just want some type of convenience or to have the late fees waived since there is nothing they can offer me to make sure I receive my statements by email on time or have payment automatically drafted. I spoke with my personal bank who can automatically send the payments for me but I do not want to have to pay the current late fees if that be the case.
Product: Credit card

Elan Financial Services, offered a card through my bank XXXX XXXX in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. 
I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone number on file and did nothing to contact me to inform me of any issue where by we could have resolved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES XXXX AND EQUIFAX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 This is my follow-up complaint to ensure the removal of the aforementioned accounts
Product: Checking or savings account

I sent a XXXX payment it didnt work so the banker over the phone asked me to try it several times after the fact after they made attempts to fix the issue. This put a fraud measure on my account and Ive been over a year unable to access the lousy XXXX dollars in my account. I want to close it and retrieve the funds my address is no longer the one they have on file as I have moved. They are unreasonable in the sense that theyre demanding me travel more than 9 hours to a beach to show my ID in person.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LA XXXX XXXX, LA XXXX account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S.C1681 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 AGNCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 18 U.S. CODE 8
Product: Mortgage

I was emailed and told by rocket mortgage that I needed XXXX to make a deal work. We sold a tractor to make the XXXX and were told its not enough and we could work a deal do now I have derogatory information on my credit from a pull, Im out a tractor that otherwise would have sold for XXXX more and they dont even have the feeling to say sorry they lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor for my account was XXXX XXXX XXXX which was subsequently bought or transferred to Elan Financial. Elan Financial is reporting that my payments were late in XXXX and XXXX of XXXX, despite me having documentation ( bank statements ) to show that phone payments were processed with XXXX XXXX XXXX each month through XX/XX/XXXX in the amount of {$51.00}, thus XXXX should not and can not in good faith report that I was delinquent in my payments to them. 

I was contacted by Elan Financial in XX/XX/XXXX who stated that they were the new creditor and would not honor the previous payment agreement I entered with XXXX XXXX XXXX to close my account and continue payments. At this time, I had a loss of income due to XXXX and shared this with the representative who subsequently enrolled me in a modification plan. A required XXXX faith payment was made to enroll in the program and there have been no missed or late payments since that time. 

I have made several requests to both Elan Financial and the credit reporting agencies XXXX, XXXX, and XXXX to have my credit report updated to remove the delinquent payment reporting due to the internal errors, my subsequent enrollment in the modification plan, and continued satisfactory payment history. The continued negative reporting is in direct violation of the following FCRA The Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information. 

Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX20., contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19-related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX, and do not apply to charged-off accounts.