23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?
Product: Debt collection

The debt amount is incorrect, the debt is incorrect and the original creditor is incorrect. Its too old to be on my credit report
Product: Credit reporting or other personal consumer reports

I have submitted several requests, along with a pictures of my DL to get the speeling of my name on my credit report corrected on Equifax, and they still haven't corrected it. They continue to send me reports that I need to provide documentation, which I have provided, several times. I received ANOTHER request this morning to send ANOTHER copy of the documentation, still with the incorrect name.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting inaccurate information on my credit profile. I am entitled to complete and accurate credit history ; this is missing account information so please remove it.
Product: Debt collection

I received two letters and they both were dated for XX/XX/2017 from two different collection companies. I made an settlement agreement with XXXX XXXX XXXX, XXXX, but decided not to pay because one letter state Resurgent Capital Services out of XXXX, SC and the second letter was from XXXX XXXX XXXX out of XXXX Ny and both list XXXX as the owner. On my credit report XXXX XXXX services and XXXX XXXX XXXX are both reported. Please confirm whom is the correct collection of this debt. The original owner was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been convicted of any crime, anywhere. This information is incorrect and is harming my reputation. This record is incorrect in it's entirety. The company that supplied this information is : XXXX
Product: Credit card or prepaid card

Buying windows from Home Depot it was charged to their store credit card account number XXXX XXXX XXXX XXXX. The order was cancelled within less than 5 days because I bought the windows from another store. I contacted the person who came to my home and I was told the charged amount was credit back to the card this was in XXXX of XXXX. In XXXX I received a statement saying I owed the charged amount with interest and late fees. I called the card and explained that these order was cancelled. I was assured that all the charges was removed and the card would reflect a XXXX balance on my next statement. Every month since XXXX they keep adding late fees and interest charges despite calling the previous month to resolve the issue. Not only have they not resolve the issue of the late fees and interest charges but they have incorrectly reported the account as late to the credit bureau affecting my credit since XXXX of XXXX. My credit score has fallen from XXXX to XXXX. Today XX/XX/XXXX I spoke to their client service department ID # XXXX who told me that I have to speak to their dispute department. Since I cancelled this order in a timely manner these charges should not apply to my account. I also asked them to close the account since XXXX and this account remains open for them to keep up charging late fees and interest that should never have been charged in the first place because this order was cancelled and the amount charged to the account never used.
Product: Debt collection

I only had a week with the service and I had to do an emergency move from where i lived and where i was moving to didn't accept att so i called them to cancel the service and they told me i didnt have to pay anything that it will be cancel automatically and didnt hear from them til now so i dont know why i am being charged
Product: Prepaid card

I have a {$200.00} AMEX gift card. I tried to use it at multiple gas stations and even by prepaying and it gets declined. Its declined at the grocery store. Despite the fact on the website it says you can add it to XXXX XXXX you cant. You cant add it to food delivery apps or use it on XXXX. It gets declined or is not able to be added to anything. The original amount is still on the card and its active, but XXXX cant use it. When Ive called customer service the response I get is that the enhanced security features cause it to decline. It is a gift card that cant be used.
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate and incomplete accounts on my credit report with Experian. on XX/XX/23 i sent another dispute certified mail and recieved a response that they think i wasnt the one who sent in the dispute. this is a stall tactic because i provided in my dispute a copy of my drivers license and social zsecurity card and a utility bill. Certified mail cost almost 10 dollars this is my third time sending a dispute. they continue to cost me money through reporting inaccurate information on my credit report and through mailing my disputes. i need my credit reports 100 % accurate thats there job by law and they keep breaking it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance Regarding Negative Verbiage on Credit Report Dear CFPB, I am writing to seek your assistance regarding an issue I have encountered with my TransUnion credit report. Recently, I noticed negative verbiage remarks associated with XXXX XXXX XXXX that has adversely affected my creditworthiness. As a result, I have been denied services that I rightfully qualify for. 

I believe this negative information is unjust and does not reflect my true creditworthiness. According to 15 U.S. Code 1681, it is imperative that credit reporting agencies uphold accuracy and fairness in their reporting practices. Inaccurate credit reports can directly impair the efficiency of the banking system and undermine public confidence. 

Given these circumstances, I kindly request your intervention in this matter. If TransUnion is unable to rectify the negative remarks on my credit report, I am formally requesting that XXXX XXXX XXXX be removed from my report, in accordance with the aforementioned law that emphasizes the importance of fair and accurate credit reporting. In the remarks section should also state paid and closed, also my attorney is aware of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XX/XX/2022. 

I tried to get my credit report from XXXX and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from Equifax. They wanted me to send them documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Debt Request for Validation To Whom It May Concern, I am writing to formally dispute the debt being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have previously requested that the debt collector provide me with proper documentation to validate this alleged debt, and to date, I have not received sufficient evidence. As per my rights, I am requesting the following : 1. A copy of the payment history made by me on this account.

2. A copy of the contract or agreement bearing my signature, proving that I agreed to take on this debt.

3. Documentation proving whether an insurance claim has been filed on this debt.

4. Proof of the chain of title that establishes your legal authority to collect on this debt.

5. Valid proof of identification linking me to this account, verifying that I am the person who allegedly entered into this agreement. 
Until I receive the requested information, I do not acknowledge or accept liability for this debt. Under the FDCPA, collection activities must cease until this debt has been properly verified. If they fail to provide the requested validation to you and me, I request that this debt be removed from my credit report immediately. 

Please request that all correspondence and supporting documentation be sent to CFPB. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Account opened XXXX XXXX XXXX - Possible Finance reported 30 days for XX/XX/XXXX and 60 days for XX/XX/XXXX. This is not correct. Possible Finance had my updated debit card on file and failed to debit from the right card. I also did payment extensions and it didn't state or send any documentation stating payment extensions I would be reported late. This is affecting my credit drastically on XXXX on XXXX.
Product: Vehicle loan or lease

Price of car different than list sent to chase auto. Terms of loan different than greed upon. Accident conditions paper e signed not by me. {$22000.00} down car trade in {$12000.00} XXXX cash on {$32000.00}. Fraudulent signatures..registration tags. Not my email, old license, address submit
Product: Mortgage

Actually do a proper investigation in to the matter and quit providing falsified statements and documents since XX/XX/2014. Actually look at what I have provided through the cfpb and quit ignoring it. Actually look at cfpb # XXXX as well as all the others.
Product: Checking or savings account

I tried to withdraw XXXX $ from capital one bank ATM. Screen went blank, read GENERAL ERROR, returned my card, and stayed offline. Branch informed me that ATM withdrew the XXXX $ from my account. I never received any money.
Product: Checking or savings account

I filed a fraud dispute for multiple transactions on my debit card. They placed a hold on the account and opened a new one for me. Said I would receive provisional credit in XXXX days since it was debit card. It is now Wednesday of the next week its been 6 days still no fund. I told them my XXXX XXXX old baby XXXX XXXX  and my electric is shut off I need to expedite these credits and no one at US Bank could help me so I sit her scrounging for XXXX for my baby with no electric or gas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is misreporting a balance due to Experian and XXXX for an old mortgage that was closed already.
Product: Debt collection

Stillman Law Offices says I owe {$670.00} to XXXX XXXX XXXX XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from Stillman Law Office. I think this is a scam and Im a victim of their false credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of informatio
n from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I had my information stolen. I live in XXXX, and someone in Virginia opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries. 
I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all XXXX credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in Virginia, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXXXXXX XXXX XXXX They are as follows : XXXX XXXX ( Finance/ personal ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance/Personal ) XXXX XXXX XXXX XXXX XXXX XXXX Finance/ Personal ) - XX/XX/XXXX I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all XXXX credit bureaus asking them to remove the issues with my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Checking or savings account

My house has been sold and the Amount deposited on my Account bank of America ( Attached Transaction Statement {>= $1,000,000} ) it is landed in my account on the XXXX XX/XX/2023 in addition to my original amount which already inside the bank {$29000.00} ( statement attached ). 

After selling the house I traveled to XXXX XXXX because I have intention to buy house and living with My niece ( her name already registered in my account as a beneficiary ) so we made the first transfer {$500000.00} which was on XXXX XXXX ( attached transaction statement ) and it is landed in her bank account XXXX XXXX on the next day XXXX XX/XX/2023. 
the rest amount in Bank of America was XXXX, XXXX and I intend to make another transfer to my niece bank account XXXX in United States, two times Attempts of transfer with no success ( attached 2 online transfer requests of {$500000.00} which has been canceled ( No. XXXX on XXXX XX/XX/2023 & XXXX XXXX XXXX XX/XX/2023 ) this transfer after cancelation should be return back to my account automatically!!!! but what is happened is the bank locked my account and requested me to call the customer service and I can not access my online banking for one month, many times after XXXX XX/XX/2023 I tried to speak with them to solve the problem but with no success saying they could not verify me and they will send me XXXX mail for verification and after receiving this mail they can assist ( calls recorded ), I did not receive any mail during this time, so I called them again on XXXX XX/XX/2023 and they pushed my back from one to one and after giving them all the requested information I can login my online banking on XXXX XX/XX/2023, but it was big shock when I discovered my balance with a huge shortage amount, it is supposed to be as I left it last time XXXX, but the amount was only {$380000.00}, the shortage amount now is {$230000.00}. 

There were XXXX with drawer by XXXX XXXX which I never has any idea about!!! ( {$500.00}, {$900.00}, {$800.00}, {$800.00}, $ ) XXXX = {$3000.00}. 

There were XXXX drawer by XXXX XXXX, which I never has any idea about ( XXXX + XXXX XXXX XXXX ) = {$100000.00}. 

There were two Withdral by XXXX  ( XXXX + XXXX ) = {$1000.00} There was one Withdrawal by XXXX {$500.00} Costumer service transferred me with claims office and they sent me the last statements during the month which I never can access my online banking ( statements attached ) please treat this as priority because there is Fraud on my account and I am requesting urgent investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXXXXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I accessed my XXXX  credit report. In the section for Inquiries '' there is an inquiry placed by Pentagon Federal Credit Union dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, Pentagon Federal Credit Union has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of Pentagon Federal Credit Union. I cancelled my PenFed membership approximately two years ago and closed all of my accounts. 

Pentagon Federal Credit Union had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. TD BANK N.A. XXXX