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

This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ).

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I'm trying to dispute an old account that has since been removed from XXXX but every time i try to dispute it through transunion it says please try again later. Then i tried going directly to their website and logging in but there website also does not work. The page half loads and shows no information to dispute despite being fully logged in.
Product: Debt collection

This collection appeared on my credit report with the three credit bureaus. I NEVER received any correspondence from the collection agency. I do not know what the bill is or regarding what debt. I did not receive any correspondence to dispute the bill. The debt is for {$190.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit card

General issue : Credit card company determined a large charge was fraud but did not remove the charge from my balance. 

This is in regards to a Best Buy Citi Platinum Visa. On XX/XX/2023 I received a fraud warning that originated ( I believe ) with the card issuer 's Consumer Protection Dept. about potential fraudulent charges on my card. I confirmed I did not authorize the charges and had no knowledge about them. They terminated my card and sent me a new one while investigating {$720.00} in charges from XXXX XXXX and XXXX at a hotel in XXXX XXXX, XXXX, while I was in another state. 

On XXXX, XXXX, I received a letter from " Security Operations '' delivered to my Best Buy Visa account that says " We recently spoke to you about suspicious activity that was attempted on your My Best Buy Visa Platinum. We have good news! After completing our investigation, the attempted authorization ( s ) have been determined not to be yours and have been declined. None of these charge ( s ) have posted to your account. '' I then activated the new card they sent me. 

On XXXX XXXX, I checked the card balance and the {$720.00} in fraudulent charges were posted to the account as due by XXXX XXXX. I called the customer service number and they were unable to explain the discrepancy and, after a long interval, transferred me to the Security Operations Department. I spoke with " XXXX '' who gave me an employee number of XXXX ( she would not tell me her full name ), and described the Security Operations as a " middleman '' working on my behalf to address my concerns. She said it was now necessary to launch an entirely new investigation that will take 90 days -- despite the fact that the Security Operations Department had already completed the first investigation and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. 

The first investigation has already determined these charges to be fraud within XXXX  days. Why is their procedure to launch a lengthy repeat investigation when they have already determined this to be fraud? In the meantime, the charges remain on my account.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items Need to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/year> Balance : {$74000.00} Late/Open
Product: Debt collection

this is a follow up to complaint XXXX which was previously filed, and your do nothing service which dismissed this with no research. i have filed identity theft report # XXXX with FTC. also made statement to comenity bank ( acct # XXXX last XXXX digits ) and XXXX XXXX ref # XXXX. i have received communication from XXXX XXXX acknowledging the identity theft involving me, and their letter stating file closed and collection process terminated. i would like your records corrected to show this error has been resolved. i also demand you contact the XXXX credit reporting agencies to correct their files so my credit record is relieved from this impingment.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the inaccurate bankruptcy reporting on my credit report with Experian. Below is a summary of the disputes : Dispute XXXX : Report # XXXX Dispute XXXX : Report # XXXX Dispute XXXX : Report # XXXX Dispute XXXX : Report # XXXX Dispute XXXX : Report # XXXX In each instance, Experian stated that the bankruptcy was " verified '' and provided the following response : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

To challenge this, I provided the following evidence : A letter from the courthouse stating they do not verify or provide bankruptcy information to credit reporting agencies. 
A letter from XXXX confirming that the bankruptcy has been removed from their records because it is unverifiable. 
Despite this, Experian continues to report the bankruptcy on my credit report without addressing the validity of the evidence I provided. Each response Ive received from Experian states that the " company that reported the information has certified to Experian that the information is accurate. ''
Product: Credit reporting or other personal consumer reports

Misbehaved my XXXX employee - I have account suddenly i can't access where as Experian- XXXX all good but some call center guy try verify my ID through phone not email- it is suspicious, The call center is very suspicious also received a message from some one said my social security is suspended, the mail came from XXXX Today is XX/XX/2023 this happend local time XXXX AM to XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a documented 2 closed accounts with capital one that states on all three credit reports that i have viewed, that my acct. with capital One credit card was closed and a charge off. Therefore Capital one has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of Capital One and received a call from XXXX at Capital one Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit profile and I noticed several Inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person
Product: Debt collection

I have been contacted over and over during the past three years for a debt I do n't owe. XXXX it was XXXX call, then a year later they started calling me ever few weeks, then XXXX or XXXX a week, and now they call me every single day, XXXX times a day. I have spoken to them on multiple occasions and they have been nothing but difficult. XXXX they absolutely refuse to say anything but " I 'm sorry you are not authorized '' as soon as they find out I do n't owe them money. XXXX they keep taking my name and phone number but it apparently does absolutely nothing. I have XXXX and this is not only very XXXX but I also have XXXX and their calls at XXXX are disrupting what little sleep I get.
Product: Student loan

I have three remaining student loans with Navient. About once every other month I have to call to inquire about why the minimum payment has been allocated in a way that is inconsistent or incorrect. Each time I call I am told it will be fixed and they are not sure why it was allocated in this way. These misallocations result in a higher percentage of my payment going towards interest and allows the interest to accumulate ultimately making my final payment further away and costing me more money. Today I spoke to a representative who told me that the way I see my account ledgers online is not consistent with the way she sees the same on her end. She also conveyed that " the system '' was allocating money towards loans I have already paid in full ( one a full year ago and another three full years ago ). She could not explain how or why either of these things were occurring but told me she would " submit a ticket '' and that the problem should " probably be resolved within two weeks ''. Each time this happens, particularly before I understood what was happening, Navient collects more money from me, my interest goes up and my credit is negatively effected based on the total borrowed balance compared with the total paid balance. This also keeps me in debt even longer.
Product: Credit reporting

On XX/XX/XXXX after calling Trans Union to dispute XXXX entries on public records to agent that XXXX XXXX XXXX for the amount of {$4600.00} and XXXX XXXX County Court {$520.00} should be removed like all other creditors in chapter XXXX bankruptcy ( see attach XXXX ) and XXXX sold account to other collection agency which resubmitted my closed account on my credit report as " open '' when it was discharged also in bankruptcy. ( see attach 6 ) After calling about these complaints for dispute my account was locked by agent ( see attachs 10-14 ). I had explained to agent that I had answer all the security questions correctly and it was wrong in their system ( Trans Union ). I explained to agent I could proved that " grandfather name '' I was given was correct, but the agent did not accept my information and request he only way for my account to be unlock " I must send in picture ID ''. I explained to agent that I did not feel comfortable sending picture ID due to on going identity thief and other major reasons. 
I truly feel the standard for Trans Union to make " only request to verify my identity is with a picture ID '' is open to discriminated any future dispute against me because of my race, sex or religion. Their are other ways for verification a person identity other than picture ID. Some example I can list from other vendors who verified a person identity : SSN card, current utilities or cable bills with name and address, payroll check studs. 
The method Trans Union is enforcing requesting a picture ID is largely open to discrimination with an individual to denied any dispute or not updating credit files that can damage a person credit rating base on race, sex or religion. 
I am pleading with the CFPB to look into the method Trans Union is using for verifying an individual identify. I know my account was locked after making a dispute claim which, now Trans Union is requesting a picture ID to unlock my account. 
With my account locked by Trans Union I am unable to check if any inaccurate information has been posted to my credit that can damage my credit rating. 
Also this is a way for Trans Union supporting creditors who are conducting improper illegal actions with false information posted to an individual credit with problematic to discriminate against the debtor credit report. 
Also requesting XXXX derogatory remarks to be removed from my credit report 1 ) XXXX XXXX XXXX open XX/XX/XXXX should not of been open. Account closed in bankruptcy XX/XX/XXXX from XXXX XXXX. 
2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$4600.00} removed like other accounts in bankruptcy XX/XX/XXXX 3 ) XXXX XXXX County ( XXXX XXXX ) for {$520.00} lien for sewer bill and not a tax lien in bankruptcy 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE-103 ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate Accounts and addresses i have listed, the following includes : Experian : XXXX XXXX XXXX co XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report.

-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802
Product: Credit reporting

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified as XXXX # : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Product: Credit card or prepaid card

There was a payment made to Synchrony Walmart of {$180.00} on XX/XX/2019. The payment was again was returned by my Bank to Synchrony Walmart even though there was sufficient funds in my account to cover the payment. Per my bank on XX/XX/19 that payment was returned erroneously. I have received the letter from Walmart Credit Synchrony that my account was closed due to returned payment. Once again this wasn't my fault at all that this was done. Once again my bank has returned a payment erroneously to Synchrony which and when they should have paid it. Please re-open my account as it should not be closed due to bank error. I have attached the letter from XXXX XXXX taking responsibilty
Product: Vehicle loan or lease

Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title
Product: Student loan

My Student Loans were forggiven, but on my credit report is listed as I owe {$0.00}. 
I didn't get the disclosures I should have gotten but yet it's being reported on my credit report.
Product: Credit card

I am still being charged high late fees and 5 days prior, the website told me I did not have a payment due. I check today, and I am charged a {$29.00} late fee. According to news media, legislation was passed that late fees will be no more than {$8.00} per month. AND the fact that when I checked in late XXXX it told me I did not have a payment due. Very frustrating. I try so hard to keep all my bills current. 

Thank you for your assistance. 
XXXX XXXX
Product: Debt collection

Company writes false information on all three credit reports after becoming military XXXX. XXXX XXXX military XXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a 6000.00 packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

alot of information on my credit report is incorrect. please delete the information to correct my file. the credit report is not reporting 100 % accurate information. it is hindering my file. I am interested into update an clear all invalid information on my credit report with Experian.
Product: Credit card

I used to share a Chase checking bank account with my ex girlfriend. The account apparently subsequently closed without my knowledge due to an extended overdraft sometime in XXXX. In XX/XX/XXXX I walked into a Chase branch in XXXX XXXX XXXX to open my own personal checking account. The account was open. However, I was never able to gain access to online banking as the representative at the branch said it seems to be a technical issue and he will make sure its fixed and contact me to grant me access. 

I was mailed my debit card and account documents on XX/XX/XXXX. During the account opening, I was also approved for a Chase Freedom credit card. On XX/XX/XXXX, Chase sent a subsequent email to tell me the newly opened account was restricted to protect against potential fraud and that the account may close soon. I called several times and they were never able to disclose why and said it was at their discretion. 

On the other hand, they never closed the credit card and it remains active 6 months later. Though I wasnt allowed to maintain a checking account with them, they found it okay for me to hold a credit card. The worst inconvenience is that I am not even allowed online banking for my credit card to this day. I have accumulated rewards points that I can never use. Every payment I have to make on my card has to either be done inside a branch or at an ATM since I have no online access.
Product: Mortgage

I have a mortgage with Freedom Mortgage Company. I have an escrow account that should pay my property taxes. They were due in XX/XX/XXXX of last year. As of today they have not been paid and the county I live in is threatening me with legal action.
Product: Debt collection

Received several Voicmail regarding a petition filed agains myself with a reference number. Received calls on work phone as well as cell phone from a XXXX XXXX of the XXXX groups regarding Total Visa Card she threatened me with suing and utilized tactics to force me to make an agreement that I can not afford. The aforementioned agreement is not within my means but a verbal demand was made to pay within 10 days also XXXX XXXX insisted for my debit card to pay and demanded to know what bank the card was from. Then I was transferred to a payment verification department that requested my permission to be recorded I declined and the gentleman said the recording was for my protection. They also asked for the 3 numbers on the back of the card which I believe is not necessary for a transaction. XXXX XXXX also stated that I would save on legal fees and now will not be sued and asked for my email address to send a paid in full letter although I requested the information to be deleted from my credit report. Also is was stated in the call that their organization had an incorrect address. 
Voicemail left XX/XX/2021 & on work phone XX/XX/2021. I returned the call XX/XX/2021 and that is the day I was forced to make a payment agreement by violation of the Fair Debt Collection Act.